{ "company_details": [ { "company_id": "0001806201", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001806201.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001806201.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001806201.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001806201_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001806201_main_keyfigs.svg", "name": "Open Lending Corp", "rank": 1, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001806201.svg", "report_text": "The relative strengths and weaknesses of Open Lending Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Open Lending Corp compared to the market average is the variable Cash and Cash Equivalents, increasing the Economic Capital Ratio by 30% points.The greatest weakness of Open Lending Corp is the variable Expenses, reducing the Economic Capital Ratio by 27% points.

The company's Economic Capital Ratio, given in the ranking table, is 46%, being 31% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001806201_2024_Open_Lending_Corp.pdf", "shrinked_graph_json": { "2021": { "Other Liabilities": "-29.7", "Liabilities": "57.6", "Stockholders Equity": "18.2", "ECR before LimitedLiability": "76.0", "Deposits": "62.6", "Debt": "12.8", "Selling and Marketing Expense": "-3.56", "Expenses": "-39.1", "Revenues": "75.5", "Net Income": "57.0", "Other Expenses": "-27.3", "Operating Expenses": "2.24", "Labor and Related Expense": "2.21", "Interest Expense": "-1.97", "General and Administrative Expense": "-11.2", "Other Revenues": "75.5", "Loans": "-1.45", "Cash and Cash Equivalents": "1.29", "Comprehensive Net Income": "57.3", "Other Net Income": "15.1", "Economic Capital Ratio": "75.5" }, "2022": { "Loans": "-7.46", "Assets": "-2.71", "Liabilities": "39.2", "Stockholders Equity": "26.7", "ECR before LimitedLiability": "48.0", "Cash and Cash Equivalents": "19.3", "Notes Receivable": "-6.28", "Deposits": "41.7", "Other Liabilities": "-21.1", "Debt": "10.9", "Expenses": "-33.2", "Revenues": "51.1", "Net Income": "23.4", "General and Administrative Expense": "-11.9", "Other Expenses": "3.15", "Selling and Marketing Expense": "-5.18", "Operating Expenses": "-20.1", "Other Revenues": "51.1", "Comprehensive Net Income": "24.6", "Other Net Income": "-2.44", "Economic Capital Ratio": "47.5" }, "2023": { "Other Liabilities": "-19.0", "Liabilities": "27.2", "Stockholders Equity": "24.1", "ECR before LimitedLiability": "33.0", "Deposits": "29.9", "Debt": "8.99", "Interest Expense": "-3.38", "Expenses": "-26.6", "Net Income": "9.30", "Other Expenses": "10.9", "Operating Expenses": "-18.9", "Selling and Marketing Expense": "-4.47", "General and Administrative Expense": "-13.5", "Other Revenues": "28.2", "Revenues": "28.2", "Notes Receivable": "-13.8", "Loans": "-2.07", "Cash and Cash Equivalents": "30.0", "Other Net Income": "1.95", "Comprehensive Net Income": "9.08", "Economic Capital Ratio": "31.1" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001806201_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Cash and Cash Equivalents": "116,454", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "30,393", "Interest Expense": "5,859", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "202,371", "Other Compr. Net Income": "0", "Other Expenses": "68,059", "Other Liabilities": "159,843", "Other Net Income": "46,738", "Other Revenues": "215,655", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "12,000" }, "output_variables": { "Assets": "318,825", "Liabilities": "159,843", "Expenses": "116,311", "Revenues": "215,655", "Stockholders Equity": "158,982", "Net Income": "146,082", "Comprehensive Net Income": "146,082", "BaseVar": "428,686", "ECR before LimitedLiability": "94%", "Economic Capital Ratio": "94%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "204,450", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "35,950", "Interest Expense": "5,832", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "62,011", "Other Assets": "175,181", "Other Compr. Net Income": "0", "Other Expenses": "-6,918", "Other Liabilities": "166,807", "Other Net Income": "1,757", "Other Revenues": "179,594", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "17,856" }, "output_variables": { "Assets": "379,631", "Liabilities": "166,807", "Expenses": "114,731", "Revenues": "179,594", "Stockholders Equity": "212,824", "Net Income": "66,620", "Comprehensive Net Income": "66,620", "BaseVar": "421,260", "ECR before LimitedLiability": "63%", "Economic Capital Ratio": "63%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "240,206", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "43,043", "Interest Expense": "10,661", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "66,103", "Other Assets": "133,831", "Other Compr. Net Income": "0", "Other Expenses": "-31,458", "Other Liabilities": "168,457", "Other Net Income": "10,444", "Other Revenues": "117,460", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "17,485" }, "output_variables": { "Assets": "374,037", "Liabilities": "168,457", "Expenses": "105,834", "Revenues": "117,460", "Stockholders Equity": "205,580", "Net Income": "22,070", "Comprehensive Net Income": "22,070", "BaseVar": "388,116", "ECR before LimitedLiability": "46%", "Economic Capital Ratio": "46%" } } }, "top_rated": true, "trend": 0.0, "value": 0.4610814799212122, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001806201.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001806201.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001806201.svg" }, { "company_id": "0001805284", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001805284.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001805284.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001805284.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001805284_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001805284_main_keyfigs.svg", "name": "Rocket Companies Inc", "rank": 2, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001805284.svg", "report_text": "The relative strengths and weaknesses of Rocket Companies Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Rocket Companies Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 23% points.The greatest weakness of Rocket Companies Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 28% points.

The company's Economic Capital Ratio, given in the ranking table, is 29%, being 14% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001805284_2024_Rocket_Companies_Inc.pdf", "shrinked_graph_json": { "2020": { "Notes Receivable": "-5.87", "Assets": "-9.90", "Liabilities": "10.4", "ECR before LimitedLiability": "0.864", "Other Assets": "13.8", "Loans": "-15.5", "Cash and Cash Equivalents": "-0.679", "Other Liabilities": "-32.5", "Deposits": "14.4", "Debt": "4.40", "Expenses": "-7.66", "Revenues": "-4.01", "Net Income": "13.0", "General and Administrative Expense": "-1.48", "Selling and Marketing Expense": "-1.11", "Operating Expenses": "1.39", "Labor and Related Expense": "-5.46", "Other Expenses": "-0.843", "Other Revenues": "-4.01", "Other Net Income": "17.4", "Other Compr. Net Income": "-21.6", "Economic Capital Ratio": "0.525" }, "2021": { "Assets": "-8.16", "Liabilities": "14.1", "Stockholders Equity": "3.47", "ECR before LimitedLiability": "4.22", "Loans": "-14.1", "Other Assets": "16.1", "Notes Receivable": "-7.05", "Other Liabilities": "-35.4", "Deposits": "17.4", "Debt": "4.28", "Selling and Marketing Expense": "-2.29", "Expenses": "-13.4", "Revenues": "-5.11", "Net Income": "14.1", "Operating Expenses": "1.22", "Labor and Related Expense": "-7.64", "General and Administrative Expense": "-2.11", "Other Revenues": "-5.11", "Other Net Income": "20.2", "Other Compr. Net Income": "-16.8", "Economic Capital Ratio": "3.79" }, "2022": { "Loans": "-12.0", "Assets": "-3.05", "Liabilities": "16.1", "Stockholders Equity": "11.4", "ECR before LimitedLiability": "13.4", "Other Assets": "23.4", "Notes Receivable": "-9.95", "Deposits": "20.9", "Other Liabilities": "-29.5", "Debt": "5.60", "Labor and Related Expense": "-14.2", "Expenses": "-23.0", "Revenues": "-4.81", "Net Income": "2.89", "General and Administrative Expense": "-3.84", "Selling and Marketing Expense": "-4.00", "Operating Expenses": "1.79", "Other Revenues": "-4.81", "Other Net Income": "21.1", "Economic Capital Ratio": "12.9", "Other Compr. Net Income": "-2.45" }, "2023": { "Other Liabilities": "-28.0", "Liabilities": "13.3", "Stockholders Equity": "13.2", "ECR before LimitedLiability": "15.9", "Deposits": "20.6", "Debt": "5.47", "Expenses": "-15.3", "Revenues": "-6.89", "Net Income": "-0.991", "Labor and Related Expense": "-11.8", "Other Expenses": "-0.860", "Operating Expenses": "3.70", "Selling and Marketing Expense": "-2.63", "General and Administrative Expense": "-2.70", "Other Revenues": "-6.89", "Notes Receivable": "-15.6", "Loans": "-2.09", "Other Assets": "23.1", "Other Net Income": "16.9", "Economic Capital Ratio": "14.0", "Other Compr. Net Income": "1.79" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001805284_strength_weakness.svg", "table_records": { "2020": { "input_variables": { "Cash and Cash Equivalents": "2,054,103", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "74,316", "General and Administrative Expense": "1,053,080", "Interest Expense": "186,301", "Interest Payable": "0", "Labor and Related Expense": "3,238,301", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "35,480,499", "Other Compr. Net Income": "-9,201,378", "Other Expenses": "833,975", "Other Liabilities": "29,652,446", "Other Net Income": "15,735,182", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "949,933" }, "output_variables": { "Assets": "37,534,602", "Liabilities": "29,652,446", "Expenses": "6,335,906", "Revenues": "0", "Stockholders Equity": "7,882,156", "Net Income": "9,399,276", "Comprehensive Net Income": "197,898", "BaseVar": "49,229,757", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "18%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "2,211,597", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "74,713", "General and Administrative Expense": "1,183,418", "Interest Expense": "230,740", "Interest Payable": "0", "Labor and Related Expense": "3,356,815", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "30,563,298", "Other Compr. Net Income": "-5,764,340", "Other Expenses": "747,034", "Other Liabilities": "23,015,363", "Other Net Income": "12,914,466", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "1,249,583" }, "output_variables": { "Assets": "32,774,895", "Liabilities": "23,015,363", "Expenses": "6,842,303", "Revenues": "0", "Stockholders Equity": "9,759,532", "Net Income": "6,072,163", "Comprehensive Net Income": "307,823", "BaseVar": "40,655,684", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "23%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "789,099", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "94,020", "General and Administrative Expense": "906,195", "Interest Expense": "153,596", "Interest Payable": "0", "Labor and Related Expense": "2,797,868", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "19,293,113", "Other Compr. Net Income": "-653,535", "Other Expenses": "241,187", "Other Liabilities": "11,606,663", "Other Net Income": "5,838,493", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "945,694" }, "output_variables": { "Assets": "20,082,212", "Liabilities": "11,606,663", "Expenses": "5,138,560", "Revenues": "0", "Stockholders Equity": "8,475,549", "Net Income": "699,933", "Comprehensive Net Income": "46,398", "BaseVar": "21,659,732", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "29%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "1,136,832", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "110,271", "General and Administrative Expense": "802,865", "Interest Expense": "153,386", "Interest Payable": "0", "Labor and Related Expense": "2,257,291", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "18,094,908", "Other Compr. Net Income": "374,553", "Other Expenses": "128,860", "Other Liabilities": "10,930,030", "Other Net Income": "3,799,269", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "736,676" }, "output_variables": { "Assets": "19,231,740", "Liabilities": "10,930,030", "Expenses": "4,189,349", "Revenues": "0", "Stockholders Equity": "8,301,710", "Net Income": "-390,080", "Comprehensive Net Income": "-15,527", "BaseVar": "19,262,470", "ECR before LimitedLiability": "27%", "Economic Capital Ratio": "29%" } } }, "top_rated": true, "trend": 2.0, "value": 0.29012642391056165, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001805284.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001805284.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001805284.svg" }, { "company_id": "0000108385", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000108385.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000108385.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000108385.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000108385_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000108385_main_keyfigs.svg", "name": "World Acceptance CORP", "rank": 3, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000108385.svg", "report_text": "The relative strengths and weaknesses of World Acceptance CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of World Acceptance CORP compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 25% points.The greatest weakness of World Acceptance CORP is the variable Expenses, reducing the Economic Capital Ratio by 48% points.

The company's Economic Capital Ratio, given in the ranking table, is 26%, being 11% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000108385_2024_World_Acceptance_CORP.pdf", "shrinked_graph_json": { "2016": { "Assets": "-11.7", "Stockholders Equity": "16.3", "ECR before LimitedLiability": "29.5", "Other Assets": "-12.2", "Loans": "5.74", "Liabilities": "36.7", "Deposits": "36.9", "Other Liabilities": "-21.7", "Debt": "10.2", "Expenses": "-64.7", "Revenues": "44.8", "Net Income": "13.6", "General and Administrative Expense": "-41.4", "Labor and Related Expense": "-26.3", "Other Expenses": "43.8", "Occupancy": "-7.05", "Interest Expense": "-3.99", "Operating Expenses": "-61.8", "Other Revenues": "44.8", "Comprehensive Net Income": "12.7", "Economic Capital Ratio": "28.2" }, "2017": { "Assets": "-9.76", "Stockholders Equity": "23.8", "ECR before LimitedLiability": "36.7", "Other Assets": "-10.1", "Loans": "4.74", "Other Liabilities": "-13.3", "Liabilities": "43.3", "Debt": "9.83", "Deposits": "43.9", "Occupancy": "-7.29", "Expenses": "-71.0", "Revenues": "51.8", "Net Income": "12.6", "Other Expenses": "51.2", "Operating Expenses": "-68.6", "Labor and Related Expense": "-28.8", "General and Administrative Expense": "-45.8", "Interest Expense": "-3.45", "Other Revenues": "51.8", "Comprehensive Net Income": "11.8", "Economic Capital Ratio": "36.0" }, "2021": { "Assets": "-9.95", "Liabilities": "26.7", "Stockholders Equity": "11.5", "ECR before LimitedLiability": "20.7", "Loans": "11.7", "Other Assets": "-9.04", "Notes Receivable": "-7.71", "Other Liabilities": "-30.4", "Deposits": "30.8", "Debt": "7.63", "Expenses": "-49.1", "Revenues": "36.4", "Net Income": "7.66", "Other Expenses": "15.4", "Labor and Related Expense": "-22.2", "General and Administrative Expense": "-38.5", "Occupancy": "-7.06", "Other Revenues": "36.4", "Comprehensive Net Income": "7.90", "Other Net Income": "-3.89", "Economic Capital Ratio": "20.2" }, "2022": { "Loans": "-13.4", "Assets": "-9.91", "Liabilities": "17.4", "Stockholders Equity": "4.35", "ECR before LimitedLiability": "10.5", "Other Assets": "-9.42", "Notes Receivable": "17.9", "Deposits": "19.5", "Other Liabilities": "-32.0", "Debt": "5.66", "Labor and Related Expense": "-13.3", "Expenses": "-40.2", "Revenues": "24.2", "Net Income": "3.16", "Occupancy": "-3.79", "General and Administrative Expense": "-25.3", "Other Expenses": "2.99", "Other Revenues": "24.2", "Comprehensive Net Income": "4.04", "Other Net Income": "-2.36", "Economic Capital Ratio": "10.0" }, "2023": { "Assets": "-10.9", "Stockholders Equity": "6.50", "ECR before LimitedLiability": "12.6", "Notes Receivable": "4.69", "Other Assets": "-10.7", "Other Liabilities": "-22.8", "Liabilities": "17.7", "Deposits": "19.4", "Debt": "6.16", "Interest Expense": "-3.77", "Expenses": "-47.6", "Revenues": "25.0", "Net Income": "2.87", "Labor and Related Expense": "-14.6", "Other Expenses": "-3.16", "Operating Expenses": "4.35", "Occupancy": "-4.24", "General and Administrative Expense": "-25.0", "Other Revenues": "25.0", "Comprehensive Net Income": "2.69", "Economic Capital Ratio": "10.7" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000108385_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "12,377", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "269,140", "Interest Expense": "26,849", "Interest Payable": "0", "Labor and Related Expense": "169,573", "Loans": "706,739", "Notes Receivable": "0", "Occupancy": "44,461", "Operating Expenses": "419,587", "Other Assets": "87,102", "Other Compr. Net Income": "-8,032", "Other Expenses": "-459,530", "Other Liabilities": "414,317", "Other Net Income": "0", "Other Revenues": "557,476", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "806,219", "Liabilities": "414,317", "Expenses": "470,080", "Revenues": "557,476", "Stockholders Equity": "391,902", "Net Income": "87,396", "Comprehensive Net Income": "79,364", "BaseVar": "1,128,062", "ECR before LimitedLiability": "45%", "Economic Capital Ratio": "45%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "15,200", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "267,661", "Interest Expense": "21,504", "Interest Payable": "0", "Labor and Related Expense": "171,959", "Loans": "695,701", "Notes Receivable": "0", "Occupancy": "42,438", "Operating Expenses": "417,738", "Other Assets": "89,688", "Other Compr. Net Income": "-4,849", "Other Expenses": "-463,165", "Other Liabilities": "339,525", "Other Net Income": "0", "Other Revenues": "531,735", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "800,589", "Liabilities": "339,525", "Expenses": "458,134", "Revenues": "531,735", "Stockholders Equity": "461,064", "Net Income": "73,600", "Comprehensive Net Income": "68,752", "BaseVar": "1,067,416", "ECR before LimitedLiability": "53%", "Economic Capital Ratio": "53%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "15,746", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "302,186", "Interest Expense": "25,699", "Interest Payable": "0", "Labor and Related Expense": "184,621", "Loans": "733,659", "Notes Receivable": "0", "Occupancy": "56,160", "Operating Expenses": "0", "Other Assets": "204,863", "Other Compr. Net Income": "0", "Other Expenses": "-131,415", "Other Liabilities": "549,342", "Other Net Income": "0", "Other Revenues": "525,533", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "954,269", "Liabilities": "549,342", "Expenses": "437,250", "Revenues": "525,533", "Stockholders Equity": "404,927", "Net Income": "88,283", "Comprehensive Net Income": "88,283", "BaseVar": "1,233,197", "ECR before LimitedLiability": "39%", "Economic Capital Ratio": "39%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "19,236", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "299,975", "Interest Expense": "33,425", "Interest Payable": "0", "Labor and Related Expense": "183,058", "Loans": "0", "Notes Receivable": "985,515", "Occupancy": "52,085", "Operating Expenses": "0", "Other Assets": "213,545", "Other Compr. Net Income": "0", "Other Expenses": "-37,276", "Other Liabilities": "845,272", "Other Net Income": "0", "Other Revenues": "585,187", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,218,297", "Liabilities": "845,272", "Expenses": "531,267", "Revenues": "585,187", "Stockholders Equity": "373,024", "Net Income": "53,920", "Comprehensive Net Income": "53,920", "BaseVar": "1,590,011", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "26%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "16,509", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "279,474", "Interest Expense": "50,463", "Interest Payable": "0", "Labor and Related Expense": "177,691", "Loans": "0", "Notes Receivable": "887,788", "Occupancy": "52,107", "Operating Expenses": "0", "Other Assets": "213,021", "Other Compr. Net Income": "0", "Other Expenses": "35,579", "Other Liabilities": "732,091", "Other Net Income": "0", "Other Revenues": "616,545", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,117,318", "Liabilities": "732,091", "Expenses": "595,313", "Revenues": "616,545", "Stockholders Equity": "385,227", "Net Income": "21,232", "Comprehensive Net Income": "21,232", "BaseVar": "1,530,634", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "26%" } } }, "top_rated": true, "trend": 3.0, "value": 0.2570436857987259, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000108385.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000108385.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000108385.svg" }, { "company_id": "0001041514", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001041514.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001041514.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001041514.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001041514_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001041514_main_keyfigs.svg", "name": "Lesaka Technologies INC", "rank": 4, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001041514.svg", "report_text": "The relative strengths and weaknesses of Lesaka Technologies INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Lesaka Technologies INC compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 26% points.The greatest weakness of Lesaka Technologies INC is the variable Expenses, reducing the Economic Capital Ratio by 113% points.

The company's Economic Capital Ratio, given in the ranking table, is 26%, being 10% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001041514_2024_Lesaka_Technologies_INC.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-2.11", "Assets": "-8.46", "Liabilities": "26.8", "Stockholders Equity": "14.6", "ECR before LimitedLiability": "19.5", "Other Assets": "26.2", "Loans": "-18.8", "Deposits": "27.5", "Other Liabilities": "-25.2", "Debt": "7.48", "Expenses": "-43.0", "Revenues": "31.3", "Net Income": "7.68", "Selling and Marketing Expense": "-12.6", "Other Expenses": "-35.7", "Depreciation and Amortization": "-3.81", "Operating Expenses": "5.20", "Other Revenues": "31.3", "Comprehensive Net Income": "3.31", "Other Compr. Net Income": "-4.98", "Economic Capital Ratio": "18.3" }, "2017": { "Assets": "-6.92", "Liabilities": "27.8", "Stockholders Equity": "17.0", "ECR before LimitedLiability": "25.7", "Cash and Cash Equivalents": "-1.92", "Other Assets": "27.1", "Loans": "-17.5", "Other Liabilities": "-26.4", "Debt": "7.26", "Deposits": "33.2", "Expenses": "-43.0", "Revenues": "34.3", "Net Income": "6.31", "Selling and Marketing Expense": "-15.1", "Other Expenses": "-30.2", "Operating Expenses": "3.73", "Depreciation and Amortization": "-3.55", "Other Revenues": "34.3", "Comprehensive Net Income": "8.44", "Other Compr. Net Income": "2.28", "Economic Capital Ratio": "25.0" }, "2018": { "Other Assets": "30.8", "Assets": "-6.23", "Stockholders Equity": "34.3", "ECR before LimitedLiability": "41.9", "Loans": "-14.6", "Liabilities": "48.0", "Deposits": "46.5", "Other Liabilities": "-5.72", "Debt": "8.87", "Expenses": "-68.2", "Revenues": "52.6", "Net Income": "7.21", "Other Expenses": "-46.0", "Depreciation and Amortization": "-4.32", "Selling and Marketing Expense": "-23.0", "Operating Expenses": "2.85", "Other Revenues": "52.6", "Comprehensive Net Income": "4.81", "Other Net Income": "4.11", "Other Compr. Net Income": "-2.40", "Economic Capital Ratio": "41.6" }, "2019": { "Other Assets": "2.35", "Assets": "-5.02", "Liabilities": "2.30", "Stockholders Equity": "2.34", "ECR before LimitedLiability": "-14.0", "Cash and Cash Equivalents": "-1.13", "Notes Receivable": "-1.88", "Loans": "-18.9", "Deposits": "2.30", "Debt": "1.18", "Other Liabilities": "-1.95", "Expenses": "-36.4", "Revenues": "2.34", "Net Income": "-42.5", "Other Expenses": "-14.3", "Selling and Marketing Expense": "-11.6", "Other Revenues": "2.34", "Comprehensive Net Income": "-45.6", "Other Net Income": "-16.6", "Other Compr. Net Income": "-0.877", "Economic Capital Ratio": "-14.2" }, "2020": { "Other Liabilities": "11.6", "Liabilities": "55.6", "Stockholders Equity": "50.0", "ECR before LimitedLiability": "52.1", "Deposits": "48.3", "Debt": "10.9", "Expenses": "-65.7", "Net Income": "-12.6", "Selling and Marketing Expense": "-26.9", "Operating Expenses": "2.43", "Labor and Related Expense": "1.74", "Other Expenses": "-43.3", "Other Revenues": "44.3", "Revenues": "44.3", "Notes Receivable": "-3.54", "Other Assets": "32.3", "Loans": "-8.18", "Comprehensive Net Income": "-2.54", "Other Net Income": "5.98", "Other Compr. Net Income": "10.1", "Economic Capital Ratio": "51.8" }, "2021": { "Other Liabilities": "9.70", "Liabilities": "55.2", "Stockholders Equity": "51.0", "ECR before LimitedLiability": "48.8", "Deposits": "48.3", "Debt": "10.8", "Selling and Marketing Expense": "-32.5", "Expenses": "-69.4", "Net Income": "-18.7", "Other Expenses": "-41.9", "Operating Expenses": "2.20", "Labor and Related Expense": "2.17", "Other Revenues": "41.6", "Revenues": "41.6", "Loans": "-8.18", "Other Assets": "35.5", "Notes Receivable": "-4.53", "Comprehensive Net Income": "-8.95", "Other Net Income": "6.48", "Other Compr. Net Income": "9.73", "Economic Capital Ratio": "48.3" }, "2023": { "Assets": "-22.3", "Liabilities": "23.3", "Stockholders Equity": "10.7", "ECR before LimitedLiability": "12.4", "Notes Receivable": "-25.1", "Loans": "-3.65", "Other Assets": "15.3", "Cash and Cash Equivalents": "-3.31", "Deposits": "22.2", "Debt": "8.32", "Expenses": "-113", "Revenues": "25.5", "Net Income": "-4.68", "Other Expenses": "-105", "Operating Expenses": "5.99", "Depreciation and Amortization": "-4.29", "Selling and Marketing Expense": "-17.4", "Other Revenues": "25.5", "Other Net Income": "-2.94", "Comprehensive Net Income": "-5.00", "Economic Capital Ratio": "10.5" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001041514_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "40,394", "General and Administrative Expense": "0", "Interest Expense": "3,423", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,263,500", "Other Compr. Net Income": "-52,861", "Other Expenses": "332,181", "Other Liabilities": "660,280", "Other Net Income": "15,931", "Other Revenues": "590,749", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "145,886" }, "output_variables": { "Assets": "1,263,500", "Liabilities": "660,280", "Expenses": "521,884", "Revenues": "590,749", "Stockholders Equity": "603,220", "Net Income": "84,796", "Comprehensive Net Income": "31,935", "BaseVar": "1,552,602", "ECR before LimitedLiability": "35%", "Economic Capital Ratio": "35%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "41,378", "General and Administrative Expense": "0", "Interest Expense": "3,484", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,450,756", "Other Compr. Net Income": "25,437", "Other Expenses": "334,855", "Other Liabilities": "742,749", "Other Net Income": "23,561", "Other Revenues": "610,066", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "179,262" }, "output_variables": { "Assets": "1,450,756", "Liabilities": "742,749", "Expenses": "558,979", "Revenues": "610,066", "Stockholders Equity": "708,007", "Net Income": "74,648", "Comprehensive Net Income": "100,085", "BaseVar": "1,705,774", "ECR before LimitedLiability": "41%", "Economic Capital Ratio": "42%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "35,484", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,217,314", "Other Compr. Net Income": "-20,922", "Other Expenses": "382,991", "Other Liabilities": "372,745", "Other Net Income": "61,955", "Other Revenues": "612,889", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "193,003" }, "output_variables": { "Assets": "1,217,314", "Liabilities": "372,745", "Expenses": "611,478", "Revenues": "612,889", "Stockholders Equity": "844,569", "Net Income": "63,366", "Comprehensive Net Income": "42,444", "BaseVar": "1,448,652", "ECR before LimitedLiability": "58%", "Economic Capital Ratio": "58%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "12,103", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "670,247", "Other Compr. Net Income": "-13,811", "Other Expenses": "161,717", "Other Liabilities": "245,233", "Other Net Income": "-156,145", "Other Revenues": "166,227", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "144,920" }, "output_variables": { "Assets": "670,247", "Liabilities": "245,233", "Expenses": "318,740", "Revenues": "166,227", "Stockholders Equity": "425,014", "Net Income": "-308,658", "Comprehensive Net Income": "-322,469", "BaseVar": "785,202", "ECR before LimitedLiability": "-24%", "Economic Capital Ratio": "2.3%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "4,647", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "453,678", "Other Compr. Net Income": "26,737", "Other Expenses": "118,941", "Other Liabilities": "78,486", "Other Net Income": "25,517", "Other Revenues": "144,299", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "75,256" }, "output_variables": { "Assets": "453,678", "Liabilities": "78,486", "Expenses": "198,844", "Revenues": "144,299", "Stockholders Equity": "375,192", "Net Income": "-29,028", "Comprehensive Net Income": "-2,291", "BaseVar": "463,780", "ECR before LimitedLiability": "70%", "Economic Capital Ratio": "70%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "4,347", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "428,330", "Other Compr. Net Income": "23,354", "Other Expenses": "106,790", "Other Liabilities": "67,371", "Other Net Income": "26,829", "Other Revenues": "130,786", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "84,063" }, "output_variables": { "Assets": "428,330", "Liabilities": "67,371", "Expenses": "195,200", "Revenues": "130,786", "Stockholders Equity": "360,959", "Net Income": "-37,585", "Comprehensive Net Income": "-14,231", "BaseVar": "435,935", "ECR before LimitedLiability": "67%", "Economic Capital Ratio": "67%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "23,685", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "542,234", "Other Compr. Net Income": "0", "Other Expenses": "440,841", "Other Liabilities": "283,327", "Other Net Income": "-3,469", "Other Revenues": "527,971", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "95,050" }, "output_variables": { "Assets": "542,234", "Liabilities": "283,327", "Expenses": "559,576", "Revenues": "527,971", "Stockholders Equity": "258,907", "Net Income": "-35,074", "Comprehensive Net Income": "-35,074", "BaseVar": "958,288", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "26%" } } }, "top_rated": true, "trend": null, "value": 0.2551273501134516, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001041514.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001041514.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001041514.svg" }, { "company_id": "0001849867", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001849867.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001849867.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001849867_main_keyfigs.svg", "name": "Catalyst Bancorp Inc", "rank": 5, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001849867.svg", "report_text": "The relative strengths and weaknesses of Catalyst Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Catalyst Bancorp Inc compared to the market average is the variable Stockholders Equity, increasing the Economic Capital Ratio by 7.9% points.The greatest weakness of Catalyst Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 14% points.

The company's Economic Capital Ratio, given in the ranking table, is 23%, being 8.2% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001849867_2024_Catalyst_Bancorp_Inc.pdf", "shrinked_graph_json": { "2021": { "Assets": "5.32", "Liabilities": "2.58", "Stockholders Equity": "8.35", "ECR before LimitedLiability": "6.09", "Loans": "-10.1", "Other Assets": "2.82", "Notes Receivable": "12.5", "Cash and Cash Equivalents": "3.00", "Other Liabilities": "6.84", "Deposits": "-10.9", "Debt": "3.16", "Expenses": "3.50", "Revenues": "-3.65", "Net Income": "-0.858", "Operating Expenses": "0.883", "Labor and Related Expense": "0.871", "General and Administrative Expense": "0.583", "Other Revenues": "-3.65", "Comprehensive Net Income": "-0.973", "Other Net Income": "-1.05", "Economic Capital Ratio": "5.66" }, "2023": { "Assets": "6.06", "Liabilities": "1.21", "Stockholders Equity": "7.90", "ECR before LimitedLiability": "10.1", "Notes Receivable": "4.03", "Loans": "-1.55", "Other Assets": "2.65", "Cash and Cash Equivalents": "0.882", "Other Liabilities": "6.75", "Deposits": "-13.9", "Debt": "3.65", "Expenses": "5.75", "Revenues": "-4.57", "Net Income": "0.912", "Labor and Related Expense": "0.947", "Operating Expenses": "2.55", "Selling and Marketing Expense": "0.919", "General and Administrative Expense": "1.11", "Other Revenues": "-4.57", "Comprehensive Net Income": "1.34", "Economic Capital Ratio": "8.17" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001849867_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Cash and Cash Equivalents": "40,884", "Debt": "0", "Deposits": "176,795", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "129,566", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "114,899", "Other Compr. Net Income": "-790", "Other Expenses": "487", "Other Liabilities": "10,208", "Other Net Income": "2,414", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "285,349", "Liabilities": "187,003", "Expenses": "487", "Revenues": "0", "Stockholders Equity": "98,346", "Net Income": "1,927", "Comprehensive Net Income": "1,137", "BaseVar": "238,022", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "24%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "19,011", "Debt": "0", "Deposits": "165,622", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "142,796", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "109,125", "Other Compr. Net Income": "1,837", "Other Expenses": "81", "Other Liabilities": "20,655", "Other Net Income": "683", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "270,932", "Liabilities": "186,277", "Expenses": "81", "Revenues": "0", "Stockholders Equity": "84,655", "Net Income": "602", "Comprehensive Net Income": "2,439", "BaseVar": "229,905", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "23%" } } }, "top_rated": true, "trend": null, "value": 0.23191829822977528, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001849867.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001849867.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001849867.svg" }, { "company_id": "0001029199", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001029199.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001029199.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001029199.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001029199_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001029199_main_keyfigs.svg", "name": "Euronet Worldwide INC", "rank": 6, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001029199.svg", "report_text": "The relative strengths and weaknesses of Euronet Worldwide INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Euronet Worldwide INC compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 22% points.The greatest weakness of Euronet Worldwide INC is the variable Operating Expenses, reducing the Economic Capital Ratio by 51% points.

The company's Economic Capital Ratio, given in the ranking table, is 22%, being 7.1% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001029199_2024_Euronet_Worldwide_INC.pdf", "shrinked_graph_json": { "2020": { "Notes Receivable": "-6.48", "Assets": "-12.2", "Liabilities": "14.9", "Expenses": "-46.0", "Stockholders Equity": "2.22", "ECR before LimitedLiability": "5.16", "Other Assets": "6.84", "Loans": "-17.0", "Cash and Cash Equivalents": "7.73", "Other Liabilities": "-28.0", "Deposits": "17.9", "Debt": "4.67", "Selling and Marketing Expense": "-2.81", "Operating Expenses": "-51.9", "Depreciation and Amortization": "-1.92", "Labor and Related Expense": "-5.87", "Other Expenses": "14.2", "Other Revenues": "22.0", "Revenues": "22.0", "Economic Capital Ratio": "4.82", "Other Net Income": "-2.97" }, "2021": { "Assets": "-15.2", "Liabilities": "14.1", "Comprehensive Net Income": "-2.21", "ECR before LimitedLiability": "1.88", "Loans": "-16.2", "Other Assets": "5.95", "Notes Receivable": "-8.17", "Cash and Cash Equivalents": "6.29", "Other Liabilities": "-29.2", "Deposits": "17.2", "Debt": "5.04", "Selling and Marketing Expense": "-3.15", "Expenses": "-55.6", "Revenues": "20.1", "Other Expenses": "12.3", "Operating Expenses": "-61.0", "Labor and Related Expense": "-6.71", "Depreciation and Amortization": "-2.07", "Other Revenues": "20.1", "Other Net Income": "-3.65", "Economic Capital Ratio": "1.44" }, "2022": { "Loans": "-14.2", "Assets": "-14.3", "Liabilities": "14.0", "ECR before LimitedLiability": "5.59", "Other Assets": "10.3", "Cash and Cash Equivalents": "5.44", "Notes Receivable": "-11.6", "Deposits": "17.0", "Other Liabilities": "-29.3", "Debt": "5.76", "Labor and Related Expense": "-6.19", "Expenses": "-49.8", "Net Income": "2.65", "Other Expenses": "12.6", "Selling and Marketing Expense": "-3.03", "Operating Expenses": "-54.6", "Other Revenues": "20.9", "Revenues": "20.9", "Comprehensive Net Income": "2.51", "Other Net Income": "-3.18", "Economic Capital Ratio": "5.12" }, "2023": { "Assets": "-13.4", "Liabilities": "14.5", "ECR before LimitedLiability": "9.05", "Notes Receivable": "-19.7", "Loans": "-2.56", "Other Assets": "7.69", "Cash and Cash Equivalents": "4.48", "Other Liabilities": "-27.7", "Deposits": "17.2", "Debt": "5.87", "Expenses": "-45.5", "Net Income": "4.72", "Labor and Related Expense": "-6.65", "Other Expenses": "12.7", "Operating Expenses": "-51.3", "Selling and Marketing Expense": "-2.32", "Other Revenues": "22.0", "Revenues": "22.0", "Other Net Income": "-1.91", "Comprehensive Net Income": "5.16", "Economic Capital Ratio": "7.15" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001029199_strength_weakness.svg", "table_records": { "2020": { "input_variables": { "Cash and Cash Equivalents": "1,420,255", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "127,021", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "404,142", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "2,436,078", "Other Assets": "3,506,456", "Other Compr. Net Income": "70,581", "Other Expenses": "-741,302", "Other Liabilities": "3,480,808", "Other Net Income": "-38,451", "Other Revenues": "2,482,700", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "221,614" }, "output_variables": { "Assets": "4,926,711", "Liabilities": "3,480,808", "Expenses": "2,447,553", "Revenues": "2,482,700", "Stockholders Equity": "1,445,903", "Net Income": "-3,304", "Comprehensive Net Income": "67,277", "BaseVar": "6,723,402", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "23%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "1,260,466", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "135,754", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "484,839", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "2,811,427", "Other Assets": "3,483,810", "Other Compr. Net Income": "-78,228", "Other Expenses": "-807,438", "Other Liabilities": "3,488,752", "Other Net Income": "-48,341", "Other Revenues": "2,995,443", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "251,933" }, "output_variables": { "Assets": "4,744,276", "Liabilities": "3,488,752", "Expenses": "2,876,515", "Revenues": "2,995,443", "Stockholders Equity": "1,255,524", "Net Income": "70,587", "Comprehensive Net Income": "-7,641", "BaseVar": "7,115,778", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "20%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "1,131,207", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "135,864", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "534,238", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "2,973,402", "Other Assets": "4,272,426", "Other Compr. Net Income": "-78,595", "Other Expenses": "-863,422", "Other Liabilities": "4,159,227", "Other Net Income": "-62,744", "Other Revenues": "3,358,741", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "285,173" }, "output_variables": { "Assets": "5,403,633", "Liabilities": "4,159,227", "Expenses": "3,065,255", "Revenues": "3,358,741", "Stockholders Equity": "1,244,406", "Net Income": "230,742", "Comprehensive Net Income": "152,147", "BaseVar": "8,064,098", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "21%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "1,254,200", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "132,900", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "602,900", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "3,255,400", "Other Assets": "4,640,200", "Other Compr. Net Income": "47,900", "Other Expenses": "-911,700", "Other Liabilities": "4,644,700", "Other Net Income": "-32,200", "Other Revenues": "3,688,000", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "296,800" }, "output_variables": { "Assets": "5,894,400", "Liabilities": "4,644,700", "Expenses": "3,376,300", "Revenues": "3,688,000", "Stockholders Equity": "1,249,700", "Net Income": "279,500", "Comprehensive Net Income": "327,400", "BaseVar": "8,841,750", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "22%" } } }, "top_rated": true, "trend": 6.0, "value": 0.22166798870794632, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001029199.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001029199.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001029199.svg" }, { "company_id": "0001821160", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001821160.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001821160.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001821160.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001821160_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001821160_main_keyfigs.svg", "name": "Guild Holdings Co", "rank": 7, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001821160.svg", "report_text": "The relative strengths and weaknesses of Guild Holdings Co are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Guild Holdings Co compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 20% points.The greatest weakness of Guild Holdings Co is the variable Other Liabilities, reducing the Economic Capital Ratio by 33% points.

The company's Economic Capital Ratio, given in the ranking table, is 22%, being 7.0% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001821160_2024_Guild_Holdings_Co.pdf", "shrinked_graph_json": { "2020": { "Notes Receivable": "-5.31", "Assets": "-7.20", "Liabilities": "7.75", "Stockholders Equity": "-2.15", "ECR before LimitedLiability": "3.69", "Other Assets": "14.8", "Loans": "-14.2", "Other Liabilities": "-43.2", "Deposits": "15.4", "Debt": "3.84", "Expenses": "-17.0", "Revenues": "-3.75", "Net Income": "4.70", "General and Administrative Expense": "-0.982", "Operating Expenses": "-19.1", "Labor and Related Expense": "-15.9", "Other Expenses": "13.3", "Other Revenues": "-3.75", "Comprehensive Net Income": "4.73", "Other Net Income": "16.8", "Economic Capital Ratio": "3.35" }, "2021": { "Assets": "-7.26", "Liabilities": "10.2", "ECR before LimitedLiability": "4.47", "Loans": "-13.3", "Other Assets": "16.1", "Notes Receivable": "-6.63", "Cash and Cash Equivalents": "-0.796", "Other Liabilities": "-44.3", "Deposits": "17.1", "Debt": "4.04", "Expenses": "-22.0", "Net Income": "2.99", "Other Expenses": "15.4", "Operating Expenses": "-24.9", "Labor and Related Expense": "-20.6", "General and Administrative Expense": "-0.824", "Other Revenues": "-4.80", "Revenues": "-4.80", "Comprehensive Net Income": "3.15", "Other Net Income": "18.6", "Economic Capital Ratio": "4.03" }, "2022": { "Loans": "-11.4", "Assets": "-4.21", "Liabilities": "18.1", "Stockholders Equity": "11.2", "ECR before LimitedLiability": "21.6", "Other Assets": "25.5", "Notes Receivable": "-9.56", "Deposits": "27.6", "Other Liabilities": "-35.7", "Debt": "7.24", "Labor and Related Expense": "-21.3", "Expenses": "-23.7", "Revenues": "-5.48", "Net Income": "10.1", "Other Expenses": "17.6", "Selling and Marketing Expense": "1.12", "Operating Expenses": "-25.7", "Other Revenues": "-5.48", "Comprehensive Net Income": "11.0", "Other Net Income": "28.9", "Economic Capital Ratio": "21.1" }, "2023": { "Other Liabilities": "-32.7", "Liabilities": "7.92", "Stockholders Equity": "7.44", "Notes Receivable": "-14.9", "ECR before LimitedLiability": "8.94", "Deposits": "14.8", "Debt": "4.30", "Interest Expense": "0.293", "Expenses": "-9.03", "Labor and Related Expense": "-12.0", "Other Expenses": "13.7", "Operating Expenses": "-14.4", "Selling and Marketing Expense": "1.09", "General and Administrative Expense": "-0.479", "Other Revenues": "-5.44", "Revenues": "-5.44", "Loans": "-1.86", "Other Assets": "20.0", "Cash and Cash Equivalents": "-0.636", "Economic Capital Ratio": "7.04", "Other Net Income": "13.7" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001821160_strength_weakness.svg", "table_records": { "2020": { "input_variables": { "Cash and Cash Equivalents": "334,623", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "7,501", "General and Administrative Expense": "101,948", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "953,758", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,127,977", "Other Assets": "4,483,464", "Other Compr. Net Income": "0", "Other Expenses": "-939,714", "Other Liabilities": "4,082,095", "Other Net Income": "1,622,047", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,818,087", "Liabilities": "4,082,095", "Expenses": "1,251,470", "Revenues": "0", "Stockholders Equity": "735,992", "Net Income": "370,577", "Comprehensive Net Income": "370,577", "BaseVar": "5,886,850", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "21%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "243,108", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "11,488", "General and Administrative Expense": "91,291", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "1,019,790", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,189,379", "Other Assets": "4,140,096", "Other Compr. Net Income": "0", "Other Expenses": "-1,019,420", "Other Liabilities": "3,463,191", "Other Net Income": "1,576,310", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,383,204", "Liabilities": "3,463,191", "Expenses": "1,292,528", "Revenues": "0", "Stockholders Equity": "920,013", "Net Income": "283,782", "Comprehensive Net Income": "283,782", "BaseVar": "5,357,616", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "23%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "137,891", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "15,525", "General and Administrative Expense": "38,085", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "619,185", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "744,802", "Other Assets": "3,101,700", "Other Compr. Net Income": "0", "Other Expenses": "-581,406", "Other Liabilities": "1,990,304", "Other Net Income": "1,164,821", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,239,591", "Liabilities": "1,990,304", "Expenses": "836,191", "Revenues": "0", "Stockholders Equity": "1,249,287", "Net Income": "328,630", "Comprehensive Net Income": "328,630", "BaseVar": "3,615,454", "ECR before LimitedLiability": "36%", "Economic Capital Ratio": "37%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "120,260", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "14,580", "General and Administrative Expense": "83,213", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "529,861", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "701,318", "Other Assets": "3,556,460", "Other Compr. Net Income": "0", "Other Expenses": "-634,648", "Other Liabilities": "2,493,227", "Other Net Income": "655,187", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,676,720", "Liabilities": "2,493,227", "Expenses": "694,324", "Revenues": "0", "Stockholders Equity": "1,183,493", "Net Income": "-39,137", "Comprehensive Net Income": "-39,137", "BaseVar": "3,759,729", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "22%" } } }, "top_rated": true, "trend": -4.0, "value": 0.22060969763913515, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001821160.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001821160.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001821160.svg" }, { "company_id": "0000864270", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000864270.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000864270.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000864270.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000864270_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000864270_main_keyfigs.svg", "name": "American Honda Finance CORP", "rank": 8, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000864270.svg", "report_text": "The relative strengths and weaknesses of American Honda Finance CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of American Honda Finance CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 14% points.The greatest weakness of American Honda Finance CORP is the variable Debt, reducing the Economic Capital Ratio by 44% points.

The company's Economic Capital Ratio, given in the ranking table, is 22%, being 6.9% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000864270_2024_American_Honda_Finance_CORP.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.03", "Assets": "2.02", "Liabilities": "-0.871", "Stockholders Equity": "1.38", "ECR before LimitedLiability": "1.96", "Other Assets": "3.30", "Notes Receivable": "14.9", "Loans": "-13.5", "Deposits": "11.8", "Other Liabilities": "2.76", "Debt": "-47.2", "Expenses": "3.57", "Revenues": "-3.45", "Net Income": "1.15", "Selling and Marketing Expense": "0.889", "Other Expenses": "-0.911", "Operating Expenses": "2.00", "Other Revenues": "-3.45", "Comprehensive Net Income": "1.14", "Other Net Income": "1.33", "Economic Capital Ratio": "0.695" }, "2017": { "Notes Receivable": "14.3", "Assets": "1.46", "Debt": "-47.3", "Stockholders Equity": "1.26", "ECR before LimitedLiability": "1.71", "Securities": "-0.486", "Cash and Cash Equivalents": "-1.01", "Other Assets": "4.96", "Loans": "-14.3", "Expenses": "2.18", "Revenues": "-2.63", "Net Income": "0.773", "Selling and Marketing Expense": "0.466", "Operating Expenses": "0.831", "Labor and Related Expense": "0.523", "Other Revenues": "-2.63", "Other Liabilities": "2.67", "Deposits": "12.0", "Comprehensive Net Income": "0.703", "Other Net Income": "1.40", "Economic Capital Ratio": "1.00" }, "2019": { "Other Assets": "5.22", "Assets": "2.04", "Liabilities": "0.972", "Stockholders Equity": "3.21", "ECR before LimitedLiability": "3.39", "Cash and Cash Equivalents": "-0.785", "Notes Receivable": "15.3", "Loans": "-14.7", "Deposits": "13.3", "Debt": "-48.5", "Other Liabilities": "3.45", "Expenses": "1.54", "Revenues": "-2.17", "Net Income": "0.687", "Operating Expenses": "0.528", "Selling and Marketing Expense": "0.600", "Labor and Related Expense": "0.499", "Other Revenues": "-2.17", "Comprehensive Net Income": "0.494", "Other Net Income": "1.32", "Economic Capital Ratio": "3.20" }, "2020": { "Notes Receivable": "12.4", "Assets": "1.98", "Liabilities": "0.395", "Stockholders Equity": "2.59", "ECR before LimitedLiability": "2.03", "Other Assets": "4.19", "Loans": "-11.2", "Cash and Cash Equivalents": "-1.05", "Other Liabilities": "4.59", "Deposits": "12.8", "Debt": "-49.5", "Expenses": "1.79", "Revenues": "-2.83", "Net Income": "0.294", "Selling and Marketing Expense": "0.541", "Operating Expenses": "0.958", "Labor and Related Expense": "0.685", "Other Expenses": "-0.738", "Other Revenues": "-2.83", "Other Net Income": "1.35", "Economic Capital Ratio": "1.69" }, "2021": { "Assets": "2.51", "Liabilities": "0.343", "Stockholders Equity": "3.18", "ECR before LimitedLiability": "2.71", "Loans": "-10.1", "Other Assets": "3.92", "Notes Receivable": "12.9", "Cash and Cash Equivalents": "-1.15", "Other Liabilities": "3.50", "Deposits": "14.0", "Debt": "-51.1", "Selling and Marketing Expense": "0.552", "Expenses": "2.61", "Revenues": "-3.40", "Net Income": "0.525", "Operating Expenses": "0.850", "Labor and Related Expense": "0.838", "Other Revenues": "-3.40", "Comprehensive Net Income": "0.653", "Other Net Income": "1.22", "Economic Capital Ratio": "2.27" }, "2022": { "Loans": "-8.98", "Assets": "3.09", "Liabilities": "1.01", "Stockholders Equity": "4.45", "ECR before LimitedLiability": "6.31", "Other Assets": "5.20", "Notes Receivable": "9.93", "Deposits": "14.1", "Other Liabilities": "3.97", "Debt": "-47.0", "Labor and Related Expense": "0.960", "Expenses": "2.64", "Revenues": "-2.96", "Net Income": "1.56", "Other Expenses": "-0.496", "Selling and Marketing Expense": "0.602", "Operating Expenses": "1.15", "Other Revenues": "-2.96", "Comprehensive Net Income": "2.01", "Other Net Income": "1.76", "Economic Capital Ratio": "5.84" }, "2023": { "Assets": "4.44", "Liabilities": "1.12", "Stockholders Equity": "6.05", "ECR before LimitedLiability": "8.75", "Notes Receivable": "3.94", "Loans": "-1.58", "Other Assets": "3.08", "Other Liabilities": "4.46", "Deposits": "13.9", "Debt": "-43.9", "Expenses": "4.39", "Revenues": "-4.53", "Net Income": "2.00", "Labor and Related Expense": "0.952", "Other Expenses": "-1.10", "Operating Expenses": "2.59", "Selling and Marketing Expense": "0.924", "Other Revenues": "-4.53", "Other Net Income": "1.89", "Comprehensive Net Income": "1.69", "Economic Capital Ratio": "6.85" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000864270_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "658,000", "Debt": "44,776,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "403,000", "Interest Expense": "0", "Interest Payable": "110,000", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "35,793,000", "Occupancy": "0", "Operating Expenses": "579,000", "Other Assets": "30,202,000", "Other Compr. Net Income": "-71,000", "Other Expenses": "145,000", "Other Liabilities": "9,699,000", "Other Net Income": "2,037,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "66,653,000", "Liabilities": "54,585,000", "Expenses": "1,127,000", "Revenues": "0", "Stockholders Equity": "12,068,000", "Net Income": "910,000", "Comprehensive Net Income": "839,000", "BaseVar": "62,236,500", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "18%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "760,000", "Debt": "46,227,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "434,000", "Interest Expense": "0", "Interest Payable": "120,000", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "35,904,000", "Occupancy": "0", "Operating Expenses": "876,000", "Other Assets": "33,190,000", "Other Compr. Net Income": "-88,000", "Other Expenses": "3,000", "Other Liabilities": "10,721,000", "Other Net Income": "2,066,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "69,854,000", "Liabilities": "57,068,000", "Expenses": "1,313,000", "Revenues": "0", "Stockholders Equity": "12,786,000", "Net Income": "753,000", "Comprehensive Net Income": "665,000", "BaseVar": "65,194,500", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "18%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "795,000", "Debt": "49,754,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "456,000", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "40,424,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "34,745,000", "Other Compr. Net Income": "-129,000", "Other Expenses": "894,000", "Other Liabilities": "8,942,000", "Other Net Income": "2,591,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "75,964,000", "Liabilities": "58,696,000", "Expenses": "1,350,000", "Revenues": "0", "Stockholders Equity": "17,268,000", "Net Income": "1,241,000", "Comprehensive Net Income": "1,112,000", "BaseVar": "69,365,000", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "20%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "1,503,000", "Debt": "50,132,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "498,000", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "39,554,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "36,199,000", "Other Compr. Net Income": "-154,000", "Other Expenses": "1,355,000", "Other Liabilities": "9,561,000", "Other Net Income": "2,862,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "77,256,000", "Liabilities": "59,693,000", "Expenses": "1,853,000", "Revenues": "0", "Stockholders Equity": "17,563,000", "Net Income": "1,009,000", "Comprehensive Net Income": "855,000", "BaseVar": "70,909,000", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "20%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "1,870,000", "Debt": "51,927,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "471,000", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "41,433,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "37,499,000", "Other Compr. Net Income": "10,000", "Other Expenses": "623,000", "Other Liabilities": "9,710,000", "Other Net Income": "3,127,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "80,802,000", "Liabilities": "61,637,000", "Expenses": "1,094,000", "Revenues": "0", "Stockholders Equity": "19,165,000", "Net Income": "2,033,000", "Comprehensive Net Income": "2,043,000", "BaseVar": "73,335,000", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "21%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "2,607,000", "Debt": "46,939,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "479,000", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "37,481,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "36,190,000", "Other Compr. Net Income": "-128,000", "Other Expenses": "770,000", "Other Liabilities": "9,887,000", "Other Net Income": "3,151,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "76,278,000", "Liabilities": "56,826,000", "Expenses": "1,249,000", "Revenues": "0", "Stockholders Equity": "19,452,000", "Net Income": "1,902,000", "Comprehensive Net Income": "1,774,000", "BaseVar": "68,816,000", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "22%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "1,544,000", "Debt": "40,334,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "485,000", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "37,585,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "29,762,000", "Other Compr. Net Income": "-183,000", "Other Expenses": "874,000", "Other Liabilities": "9,532,000", "Other Net Income": "2,498,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "68,891,000", "Liabilities": "49,866,000", "Expenses": "1,359,000", "Revenues": "0", "Stockholders Equity": "19,025,000", "Net Income": "1,139,000", "Comprehensive Net Income": "956,000", "BaseVar": "61,398,500", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "22%" } } }, "top_rated": true, "trend": 2.0, "value": 0.21871850912776936, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000864270.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000864270.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000864270.svg" }, { "company_id": "0001881592", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001881592.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001881592.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001881592.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001881592_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001881592_main_keyfigs.svg", "name": "NSTS Bancorp Inc", "rank": 9, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001881592.svg", "report_text": "The relative strengths and weaknesses of NSTS Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of NSTS Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 8.7% points.The greatest weakness of NSTS Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 16% points.

The company's Economic Capital Ratio, given in the ranking table, is 22%, being 6.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001881592_2024_NSTS_Bancorp_Inc.pdf", "shrinked_graph_json": { "2021": { "Securities": "-0.335", "Assets": "1.29", "Liabilities": "-2.56", "Stockholders Equity": "-1.11", "ECR before LimitedLiability": "-4.00", "Loans": "-2.62", "Notes Receivable": "-5.53", "Cash and Cash Equivalents": "7.76", "Other Liabilities": "5.99", "Deposits": "-15.7", "Debt": "3.45", "Selling and Marketing Expense": "0.652", "Expenses": "3.11", "Revenues": "-3.42", "Net Income": "-1.54", "Operating Expenses": "1.01", "General and Administrative Expense": "0.661", "Other Revenues": "-3.42", "Comprehensive Net Income": "-1.74", "Other Net Income": "-0.789", "Economic Capital Ratio": "-4.44" }, "2022": { "Loans": "3.58", "Assets": "3.83", "Liabilities": "2.95", "Stockholders Equity": "7.40", "ECR before LimitedLiability": "3.52", "Other Assets": "10.4", "Cash and Cash Equivalents": "0.578", "Notes Receivable": "-7.38", "Deposits": "-12.2", "Other Liabilities": "9.43", "Debt": "3.68", "Expenses": "1.95", "Revenues": "-2.59", "Comprehensive Net Income": "-3.00", "General and Administrative Expense": "0.582", "Selling and Marketing Expense": "0.618", "Operating Expenses": "1.19", "Other Revenues": "-2.59", "Other Compr. Net Income": "-2.67", "Other Net Income": "0.367", "Economic Capital Ratio": "3.05" }, "2023": { "Assets": "4.92", "Liabilities": "1.90", "Stockholders Equity": "7.37", "ECR before LimitedLiability": "8.53", "Notes Receivable": "1.49", "Loans": "-1.59", "Other Assets": "2.41", "Cash and Cash Equivalents": "2.60", "Other Liabilities": "8.68", "Deposits": "-15.6", "Debt": "3.67", "Expenses": "3.22", "Revenues": "-4.34", "Net Income": "-0.468", "Other Expenses": "-0.984", "Operating Expenses": "2.59", "Selling and Marketing Expense": "0.925", "General and Administrative Expense": "1.12", "Other Revenues": "-4.34", "Economic Capital Ratio": "6.63", "Other Compr. Net Income": "0.768" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001881592_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Cash and Cash Equivalents": "121,611", "Debt": "0", "Deposits": "285,621", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "3,352", "Loans": "96,534", "Notes Receivable": "0", "Occupancy": "665", "Operating Expenses": "0", "Other Assets": "122,724", "Other Compr. Net Income": "-1,487", "Other Expenses": "1,100", "Other Liabilities": "10,065", "Other Net Income": "4,704", "Other Revenues": "626", "Professional Fees": "268", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "340,869", "Liabilities": "295,686", "Expenses": "5,385", "Revenues": "626", "Stockholders Equity": "45,183", "Net Income": "-55", "Comprehensive Net Income": "-1,542", "BaseVar": "324,378", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "13,147", "Debt": "0", "Deposits": "178,714", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "3,846", "Loans": "103,359", "Notes Receivable": "0", "Occupancy": "658", "Operating Expenses": "0", "Other Assets": "147,700", "Other Compr. Net Income": "-11,044", "Other Expenses": "1,933", "Other Liabilities": "4,950", "Other Net Income": "5,973", "Other Revenues": "1,077", "Professional Fees": "586", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "264,206", "Liabilities": "183,664", "Expenses": "7,023", "Revenues": "1,077", "Stockholders Equity": "80,542", "Net Income": "27", "Comprehensive Net Income": "-11,017", "BaseVar": "236,494", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "19%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "31,388", "Debt": "0", "Deposits": "168,826", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "4,554", "Loans": "0", "Notes Receivable": "120,623", "Occupancy": "739", "Operating Expenses": "0", "Other Assets": "104,765", "Other Compr. Net Income": "2,902", "Other Expenses": "2,840", "Other Liabilities": "10,405", "Other Net Income": "4,346", "Other Revenues": "548", "Professional Fees": "718", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "256,776", "Liabilities": "179,231", "Expenses": "8,851", "Revenues": "548", "Stockholders Equity": "77,545", "Net Income": "-3,957", "Comprehensive Net Income": "-1,055", "BaseVar": "226,327", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "22%" } } }, "top_rated": true, "trend": 6.0, "value": 0.21652713132966422, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001881592.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001881592.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001881592.svg" }, { "company_id": "0000885550", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000885550.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000885550.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000885550.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000885550_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000885550_main_keyfigs.svg", "name": "Credit Acceptance CORP", "rank": 10, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000885550.svg", "report_text": "The relative strengths and weaknesses of Credit Acceptance CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Credit Acceptance CORP compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 22% points.The greatest weakness of Credit Acceptance CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 38% points.

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_savings/2023/report/0000885550_2024_Credit_Acceptance_CORP.pdf", "shrinked_graph_json": { "2016": { "Assets": "-2.04", "Liabilities": "8.11", "Stockholders Equity": "4.81", "ECR before LimitedLiability": "11.6", "Other Assets": "-12.0", "Notes Receivable": "-1.40", "Loans": "14.7", "Deposits": "19.5", "Other Liabilities": "-47.0", "Debt": "4.55", "Expenses": "-7.98", "Revenues": "14.5", "Net Income": "6.59", "Labor and Related Expense": "-2.04", "Other Expenses": "-8.49", "Interest Expense": "-1.94", "Operating Expenses": "3.32", "Other Revenues": "14.5", "Comprehensive Net Income": "6.67", "Other Net Income": "-1.34", "Economic Capital Ratio": "10.4" }, "2017": { "Notes Receivable": "-1.33", "Assets": "-1.69", "Liabilities": "9.72", "Stockholders Equity": "6.53", "ECR before LimitedLiability": "14.8", "Other Assets": "-11.4", "Loans": "13.7", "Other Liabilities": "-46.3", "Debt": "4.41", "Deposits": "22.3", "Expenses": "-8.19", "Revenues": "15.5", "Net Income": "8.29", "Other Expenses": "-5.48", "Operating Expenses": "2.47", "Labor and Related Expense": "-2.08", "Interest Expense": "-2.27", "Other Revenues": "15.5", "Comprehensive Net Income": "8.32", "Other Net Income": "-1.25", "Economic Capital Ratio": "14.1" }, "2018": { "Other Assets": "-10.6", "Assets": "-1.22", "Liabilities": "9.51", "Stockholders Equity": "6.82", "ECR before LimitedLiability": "14.5", "Notes Receivable": "-1.16", "Loans": "12.3", "Deposits": "22.8", "Other Liabilities": "-48.0", "Debt": "3.93", "Expenses": "-7.10", "Revenues": "14.9", "Net Income": "7.98", "Interest Expense": "-2.41", "Labor and Related Expense": "-2.09", "Other Expenses": "-3.14", "Operating Expenses": "1.55", "Other Revenues": "14.9", "Comprehensive Net Income": "8.08", "Other Net Income": "-2.08", "Economic Capital Ratio": "14.2" }, "2019": { "Other Assets": "-10.1", "Assets": "-0.903", "Liabilities": "9.53", "Stockholders Equity": "7.27", "ECR before LimitedLiability": "14.2", "Cash and Cash Equivalents": "1.09", "Notes Receivable": "-2.18", "Loans": "12.5", "Deposits": "22.3", "Debt": "5.48", "Other Liabilities": "-48.0", "Expenses": "-7.47", "Revenues": "14.3", "Net Income": "7.28", "Other Expenses": "-3.37", "Labor and Related Expense": "-1.90", "Interest Expense": "-2.49", "Other Revenues": "14.3", "Comprehensive Net Income": "7.22", "Other Net Income": "-1.82", "Economic Capital Ratio": "14.0" }, "2020": { "Notes Receivable": "-5.23", "Assets": "-2.27", "Liabilities": "8.86", "Stockholders Equity": "5.31", "ECR before LimitedLiability": "9.48", "Other Assets": "-11.3", "Loans": "18.8", "Other Liabilities": "-40.1", "Deposits": "19.0", "Debt": "4.14", "Expenses": "-11.5", "Revenues": "15.2", "Net Income": "3.91", "Operating Expenses": "1.29", "Labor and Related Expense": "-1.33", "Other Expenses": "-8.89", "Interest Expense": "-2.11", "Other Revenues": "15.2", "Comprehensive Net Income": "3.94", "Other Net Income": "-2.00", "Economic Capital Ratio": "9.14" }, "2021": { "Assets": "-2.82", "Liabilities": "8.58", "Stockholders Equity": "3.73", "ECR before LimitedLiability": "13.2", "Loans": "20.6", "Other Assets": "-11.2", "Notes Receivable": "-6.26", "Other Liabilities": "-51.7", "Deposits": "23.2", "Debt": "4.84", "Expenses": "-7.34", "Revenues": "17.6", "Net Income": "9.88", "Other Expenses": "-4.35", "Operating Expenses": "1.29", "Labor and Related Expense": "-1.77", "Interest Expense": "-2.04", "Other Revenues": "17.6", "Comprehensive Net Income": "10.0", "Other Net Income": "-2.65", "Economic Capital Ratio": "12.8" }, "2022": { "Loans": "19.0", "Assets": "-3.59", "Liabilities": "7.61", "Stockholders Equity": "2.56", "ECR before LimitedLiability": "9.61", "Other Assets": "-11.2", "Notes Receivable": "-9.08", "Deposits": "17.5", "Other Liabilities": "-44.1", "Debt": "4.58", "Labor and Related Expense": "-1.87", "Expenses": "-11.7", "Revenues": "16.6", "Net Income": "5.54", "Other Expenses": "-8.92", "Interest Expense": "-1.79", "Operating Expenses": "1.49", "Other Revenues": "16.6", "Comprehensive Net Income": "6.21", "Other Net Income": "-1.86", "Economic Capital Ratio": "9.13" }, "2023": { "Assets": "-2.75", "Liabilities": "6.98", "Stockholders Equity": "2.92", "ECR before LimitedLiability": "8.53", "Notes Receivable": "-15.4", "Loans": "21.6", "Other Assets": "-11.7", "Other Liabilities": "-37.5", "Deposits": "14.7", "Debt": "4.43", "Interest Expense": "-2.39", "Expenses": "-9.87", "Revenues": "13.4", "Net Income": "3.71", "Labor and Related Expense": "-1.63", "Other Expenses": "-10.1", "Operating Expenses": "3.16", "Other Revenues": "13.4", "Other Net Income": "-1.10", "Comprehensive Net Income": "3.59", "Economic Capital Ratio": "6.63" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000885550_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "239,300", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "48,200", "Interest Expense": "97,700", "Interest Payable": "0", "Labor and Related Expense": "126,500", "Loans": "3,886,600", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "92,100", "Other Compr. Net Income": "-100", "Other Expenses": "314,600", "Other Liabilities": "3,044,300", "Other Net Income": "0", "Other Revenues": "969,200", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "49,400" }, "output_variables": { "Assets": "4,218,000", "Liabilities": "3,044,300", "Expenses": "636,400", "Revenues": "969,200", "Stockholders Equity": "1,173,700", "Net Income": "332,800", "Comprehensive Net Income": "332,700", "BaseVar": "4,434,000", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "27%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "263,800", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "55,500", "Interest Expense": "120,200", "Interest Payable": "0", "Labor and Related Expense": "140,100", "Loans": "4,619,600", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "102,200", "Other Compr. Net Income": "0", "Other Expenses": "265,600", "Other Liabilities": "3,449,800", "Other Net Income": "0", "Other Revenues": "1,110,000", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "58,400" }, "output_variables": { "Assets": "4,985,600", "Liabilities": "3,449,800", "Expenses": "639,800", "Revenues": "1,110,000", "Stockholders Equity": "1,535,800", "Net Income": "470,200", "Comprehensive Net Income": "470,200", "BaseVar": "5,092,600", "ECR before LimitedLiability": "29%", "Economic Capital Ratio": "31%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "329,300", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "55,700", "Interest Expense": "156,600", "Interest Payable": "0", "Labor and Related Expense": "167,800", "Loans": "5,763,300", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "144,800", "Other Compr. Net Income": "-100", "Other Expenses": "264,000", "Other Liabilities": "4,246,500", "Other Net Income": "0", "Other Revenues": "1,285,800", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "67,700" }, "output_variables": { "Assets": "6,237,400", "Liabilities": "4,246,500", "Expenses": "711,800", "Revenues": "1,285,800", "Stockholders Equity": "1,990,900", "Net Income": "574,000", "Comprehensive Net Income": "573,900", "BaseVar": "6,240,800", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "31%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "517,700", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "65,100", "Interest Expense": "196,200", "Interest Payable": "0", "Labor and Related Expense": "193,300", "Loans": "6,685,200", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "220,300", "Other Compr. Net Income": "1,100", "Other Expenses": "308,100", "Other Liabilities": "5,067,900", "Other Net Income": "0", "Other Revenues": "1,489,000", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "70,200" }, "output_variables": { "Assets": "7,423,200", "Liabilities": "5,067,900", "Expenses": "832,900", "Revenues": "1,489,000", "Stockholders Equity": "2,355,300", "Net Income": "656,100", "Comprehensive Net Income": "657,200", "BaseVar": "7,407,050", "ECR before LimitedLiability": "29%", "Economic Capital Ratio": "31%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "396,200", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "69,600", "Interest Expense": "192,000", "Interest Payable": "0", "Labor and Related Expense": "186,500", "Loans": "6,787,900", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "304,900", "Other Compr. Net Income": "800", "Other Expenses": "730,700", "Other Liabilities": "5,186,500", "Other Net Income": "0", "Other Revenues": "1,669,300", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "69,500" }, "output_variables": { "Assets": "7,489,000", "Liabilities": "5,186,500", "Expenses": "1,248,300", "Revenues": "1,669,300", "Stockholders Equity": "2,302,500", "Net Income": "421,000", "Comprehensive Net Income": "421,800", "BaseVar": "7,796,950", "ECR before LimitedLiability": "25%", "Economic Capital Ratio": "27%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "434,200", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "100,300", "Interest Expense": "164,200", "Interest Payable": "0", "Labor and Related Expense": "218,100", "Loans": "6,336,300", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "280,400", "Other Compr. Net Income": "-1,400", "Other Expenses": "349,800", "Other Liabilities": "5,226,700", "Other Net Income": "0", "Other Revenues": "1,856,000", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "65,300" }, "output_variables": { "Assets": "7,050,900", "Liabilities": "5,226,700", "Expenses": "897,700", "Revenues": "1,856,000", "Stockholders Equity": "1,824,200", "Net Income": "958,300", "Comprehensive Net Income": "956,900", "BaseVar": "7,516,350", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "32%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "417,700", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "88,700", "Interest Expense": "166,600", "Interest Payable": "0", "Labor and Related Expense": "262,000", "Loans": "6,297,700", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "189,300", "Other Compr. Net Income": "-3,100", "Other Expenses": "703,700", "Other Liabilities": "5,280,700", "Other Net Income": "0", "Other Revenues": "1,832,400", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "75,600" }, "output_variables": { "Assets": "6,904,700", "Liabilities": "5,280,700", "Expenses": "1,296,600", "Revenues": "1,832,400", "Stockholders Equity": "1,624,000", "Net Income": "535,800", "Comprehensive Net Income": "532,700", "BaseVar": "7,658,750", "ECR before LimitedLiability": "22%", "Economic Capital Ratio": "25%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "470,900", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "87,200", "Interest Expense": "266,500", "Interest Payable": "0", "Labor and Related Expense": "280,200", "Loans": "6,955,300", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "184,000", "Other Compr. Net Income": "1,900", "Other Expenses": "890,200", "Other Liabilities": "5,856,500", "Other Net Income": "0", "Other Revenues": "1,901,900", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "91,700" }, "output_variables": { "Assets": "7,610,200", "Liabilities": "5,856,500", "Expenses": "1,615,800", "Revenues": "1,901,900", "Stockholders Equity": "1,753,700", "Net Income": "286,100", "Comprehensive Net Income": "288,000", "BaseVar": "8,493,150", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "22%" } } }, "top_rated": true, "trend": -3.0, "value": 0.21651636471196686, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000885550.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000885550.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000885550.svg" }, { "company_id": "0001464343", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001464343.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001464343.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001464343.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001464343_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001464343_main_keyfigs.svg", "name": "Atlanticus Holdings Corp", "rank": 11, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001464343.svg", "report_text": "The relative strengths and weaknesses of Atlanticus Holdings Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Atlanticus Holdings Corp compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 18% points.The greatest weakness of Atlanticus Holdings Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 33% points.

The company's Economic Capital Ratio, given in the ranking table, is 20%, being 5.2% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001464343_2024_Atlanticus_Holdings_Corp.pdf", "shrinked_graph_json": { "2019": { "Liabilities": "-2.32", "Stockholders Equity": "-2.15", "ECR before LimitedLiability": "-1.37", "Deposits": "10.3", "Debt": "4.17", "Other Liabilities": "-53.8", "General and Administrative Expense": "0.359", "Expenses": "2.94", "Net Income": "1.67", "Operating Expenses": "0.604", "Selling and Marketing Expense": "0.687", "Labor and Related Expense": "0.570", "Other Revenues": "-2.33", "Revenues": "-2.33", "Other Assets": "-4.79", "Notes Receivable": "-2.07", "Loans": "6.95", "Securities": "-0.447", "Comprehensive Net Income": "1.29", "Other Net Income": "1.33", "Economic Capital Ratio": "-1.56" }, "2020": { "Notes Receivable": "-5.95", "Assets": "-10.7", "Liabilities": "13.2", "Stockholders Equity": "-2.01", "ECR before LimitedLiability": "4.88", "Other Assets": "-9.86", "Loans": "6.62", "Other Liabilities": "-38.6", "Deposits": "17.0", "Debt": "4.29", "Expenses": "-21.3", "Revenues": "20.7", "Net Income": "4.71", "Selling and Marketing Expense": "-1.38", "Operating Expenses": "1.37", "Other Expenses": "-17.4", "Interest Expense": "-2.99", "Other Revenues": "20.7", "Comprehensive Net Income": "4.75", "Other Net Income": "-9.88", "Economic Capital Ratio": "4.54" }, "2021": { "Assets": "-7.68", "Liabilities": "10.9", "ECR before LimitedLiability": "7.04", "Loans": "9.13", "Other Assets": "-7.58", "Notes Receivable": "-6.87", "Cash and Cash Equivalents": "-1.01", "Other Liabilities": "-45.7", "Deposits": "18.8", "Debt": "4.36", "Selling and Marketing Expense": "-1.60", "Expenses": "-9.21", "Net Income": "5.13", "Other Expenses": "-7.51", "Operating Expenses": "1.24", "Interest Expense": "-2.07", "Other Revenues": "19.8", "Revenues": "19.8", "Comprehensive Net Income": "5.29", "Other Net Income": "-15.3", "Economic Capital Ratio": "6.60" }, "2022": { "Loans": "13.3", "Assets": "-9.25", "Liabilities": "13.0", "ECR before LimitedLiability": "6.14", "Other Assets": "-8.46", "Cash and Cash Equivalents": "-0.855", "Notes Receivable": "-10.2", "Deposits": "16.2", "Other Liabilities": "-38.0", "Debt": "4.96", "Expenses": "-5.11", "Net Income": "3.67", "Other Expenses": "-4.37", "Selling and Marketing Expense": "-1.08", "Interest Expense": "-2.34", "Operating Expenses": "1.61", "Other Revenues": "19.5", "Revenues": "19.5", "Comprehensive Net Income": "4.52", "Other Net Income": "-25.3", "Economic Capital Ratio": "5.67" }, "2023": { "Assets": "-8.08", "Liabilities": "11.8", "ECR before LimitedLiability": "7.08", "Notes Receivable": "8.02", "Loans": "-2.22", "Other Assets": "-10.2", "Cash and Cash Equivalents": "-1.53", "Other Liabilities": "-32.8", "Deposits": "14.8", "Debt": "5.13", "Interest Expense": "-2.63", "Expenses": "-1.61", "Net Income": "3.87", "Other Expenses": "-4.57", "Operating Expenses": "3.70", "General and Administrative Expense": "1.56", "Other Revenues": "17.6", "Revenues": "17.6", "Other Net Income": "-25.1", "Comprehensive Net Income": "3.70", "Economic Capital Ratio": "5.17" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001464343_strength_weakness.svg", "table_records": { "2019": { "input_variables": { "Cash and Cash Equivalents": "41,015", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "725,959", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "169,292", "Other Compr. Net Income": "-3,325", "Other Expenses": "5,553", "Other Liabilities": "846,881", "Other Net Income": "31,763", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "936,266", "Liabilities": "846,881", "Expenses": "5,553", "Revenues": "0", "Stockholders Equity": "89,385", "Net Income": "26,210", "Comprehensive Net Income": "22,885", "BaseVar": "911,894", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "80,859", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "51,548", "Interest Payable": "0", "Labor and Related Expense": "29,079", "Loans": "920,237", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "206,118", "Other Compr. Net Income": "203", "Other Expenses": "245,306", "Other Liabilities": "991,354", "Other Net Income": "-108,548", "Other Revenues": "563,410", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "35,012" }, "output_variables": { "Assets": "1,207,214", "Liabilities": "991,354", "Expenses": "360,945", "Revenues": "563,410", "Stockholders Equity": "215,860", "Net Income": "93,917", "Comprehensive Net Income": "94,120", "BaseVar": "1,615,837", "ECR before LimitedLiability": "18%", "Economic Capital Ratio": "22%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "96,968", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "54,127", "Interest Payable": "0", "Labor and Related Expense": "34,024", "Loans": "1,410,235", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "436,660", "Other Compr. Net Income": "0", "Other Expenses": "177,309", "Other Liabilities": "1,516,714", "Other Net Income": "-248,172", "Other Revenues": "748,056", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "56,635" }, "output_variables": { "Assets": "1,943,863", "Liabilities": "1,516,714", "Expenses": "322,095", "Revenues": "748,056", "Stockholders Equity": "427,149", "Net Income": "177,789", "Comprehensive Net Income": "177,789", "BaseVar": "2,389,450", "ECR before LimitedLiability": "23%", "Economic Capital Ratio": "25%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "48,208", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "81,851", "Interest Payable": "0", "Labor and Related Expense": "43,063", "Loans": "1,905,410", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "434,196", "Other Compr. Net Income": "0", "Other Expenses": "147,915", "Other Liabilities": "1,922,824", "Other Net Income": "-577,069", "Other Revenues": "1,046,913", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "62,403" }, "output_variables": { "Assets": "2,387,814", "Liabilities": "1,922,824", "Expenses": "335,232", "Revenues": "1,046,913", "Stockholders Equity": "464,990", "Net Income": "134,612", "Comprehensive Net Income": "134,612", "BaseVar": "3,134,926", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "21%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "44,315", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "109,342", "Interest Payable": "0", "Labor and Related Expense": "43,906", "Loans": "0", "Notes Receivable": "2,272,184", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "389,946", "Other Compr. Net Income": "0", "Other Expenses": "158,676", "Other Liabilities": "2,173,778", "Other Net Income": "-689,577", "Other Revenues": "1,155,876", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "52,421" }, "output_variables": { "Assets": "2,706,445", "Liabilities": "2,173,778", "Expenses": "364,345", "Revenues": "1,155,876", "Stockholders Equity": "532,667", "Net Income": "101,954", "Comprehensive Net Income": "101,954", "BaseVar": "3,545,010", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "20%" } } }, "top_rated": true, "trend": 0.0, "value": 0.20194189835775814, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001464343.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001464343.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001464343.svg" }, { "company_id": "0000038723", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000038723.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000038723.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000038723_main_keyfigs.svg", "name": "1st Franklin Financial CORP", "rank": 12, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000038723.svg", "report_text": "The relative strengths and weaknesses of 1st Franklin Financial CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of 1st Franklin Financial CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 12% points.The greatest weakness of 1st Franklin Financial CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 38% points.

The company's Economic Capital Ratio, given in the ranking table, is 19%, being 3.6% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000038723_2024_1st_Franklin_Financial_CORP.pdf", "shrinked_graph_json": { "2022": { "Loans": "-10.3", "Assets": "-2.65", "Liabilities": "6.33", "Stockholders Equity": "2.33", "ECR before LimitedLiability": "1.87", "Other Assets": "-4.12", "Notes Receivable": "12.2", "Deposits": "12.2", "Other Liabilities": "-38.0", "Debt": "4.43", "Labor and Related Expense": "-6.22", "Expenses": "-8.00", "Revenues": "-3.37", "Comprehensive Net Income": "-1.01", "Occupancy": "-1.10", "Other Expenses": "8.83", "Operating Expenses": "-11.4", "Other Revenues": "-3.37", "Other Compr. Net Income": "-1.67", "Other Net Income": "9.67", "Economic Capital Ratio": "1.40" }, "2023": { "Assets": "-1.16", "Liabilities": "4.46", "Stockholders Equity": "2.65", "ECR before LimitedLiability": "5.47", "Notes Receivable": "7.63", "Loans": "-1.87", "Other Assets": "-3.87", "Other Liabilities": "-37.6", "Deposits": "12.4", "Debt": "4.29", "Expenses": "-5.49", "Revenues": "-4.93", "Comprehensive Net Income": "1.21", "Labor and Related Expense": "-5.66", "Other Expenses": "8.83", "Operating Expenses": "-9.41", "Occupancy": "-1.15", "General and Administrative Expense": "1.31", "Other Revenues": "-4.93", "Other Net Income": "10.5", "Economic Capital Ratio": "3.57" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000038723_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Cash and Cash Equivalents": "65,434", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "113,733", "Loans": "0", "Notes Receivable": "800,276", "Occupancy": "18,173", "Operating Expenses": "189,080", "Other Assets": "297,214", "Other Compr. Net Income": "-36,138", "Other Expenses": "-127,488", "Other Liabilities": "903,631", "Other Net Income": "209,657", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,162,924", "Liabilities": "903,631", "Expenses": "193,497", "Revenues": "0", "Stockholders Equity": "259,293", "Net Income": "16,160", "Comprehensive Net Income": "-19,979", "BaseVar": "1,252,924", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "17%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "34,835", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "111,763", "Loans": "0", "Notes Receivable": "862,775", "Occupancy": "20,705", "Operating Expenses": "199,223", "Other Assets": "342,686", "Other Compr. Net Income": "7,446", "Other Expenses": "-127,648", "Other Liabilities": "975,714", "Other Net Income": "204,574", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,240,297", "Liabilities": "975,714", "Expenses": "204,044", "Revenues": "0", "Stockholders Equity": "264,583", "Net Income": "530", "Comprehensive Net Income": "7,976", "BaseVar": "1,316,037", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "19%" } } }, "top_rated": true, "trend": 11.0, "value": 0.185866503364559, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000038723.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000038723.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000038723.svg" }, { "company_id": "0001001171", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001001171.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001001171.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001001171.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001001171_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001001171_main_keyfigs.svg", "name": "Broadway Financial CORP DE", "rank": 13, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001001171.svg", "report_text": "The relative strengths and weaknesses of Broadway Financial CORP DE are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Broadway Financial CORP DE compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.4% points.The greatest weakness of Broadway Financial CORP DE is the variable Other Revenues, reducing the Economic Capital Ratio by 4.2% points.

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_savings/2023/report/0001001171_2024_Broadway_Financial_CORP_DE.pdf", "shrinked_graph_json": { "2017": { "Notes Receivable": "-1.31", "Assets": "1.02", "Liabilities": "-2.68", "Stockholders Equity": "-1.48", "ECR before LimitedLiability": "-1.57", "Securities": "-0.566", "Cash and Cash Equivalents": "0.431", "Other Assets": "-6.71", "Loans": "7.48", "Other Liabilities": "1.78", "Debt": "3.22", "Deposits": "-7.45", "Expenses": "3.86", "Revenues": "-2.83", "Comprehensive Net Income": "0.344", "Selling and Marketing Expense": "0.522", "Operating Expenses": "2.06", "Labor and Related Expense": "0.586", "General and Administrative Expense": "0.473", "Other Revenues": "-2.83", "Economic Capital Ratio": "-2.27" }, "2018": { "Liabilities": "-1.91", "Stockholders Equity": "-1.89", "ECR before LimitedLiability": "-2.41", "Deposits": "-5.37", "Other Liabilities": "0.812", "Debt": "2.89", "Expenses": "1.53", "Labor and Related Expense": "-0.880", "Other Expenses": "0.474", "Selling and Marketing Expense": "0.550", "Operating Expenses": "1.30", "General and Administrative Expense": "0.225", "Other Revenues": "-2.30", "Revenues": "-2.30", "Other Assets": "-7.71", "Notes Receivable": "-1.19", "Securities": "-0.480", "Cash and Cash Equivalents": "0.243", "Loans": "7.58", "Economic Capital Ratio": "-2.68", "Other Net Income": "0.793" }, "2019": { "Liabilities": "-1.86", "Stockholders Equity": "-1.67", "ECR before LimitedLiability": "-2.67", "Deposits": "-5.89", "Debt": "4.40", "General and Administrative Expense": "0.384", "Expenses": "1.23", "Net Income": "-0.665", "Other Expenses": "0.378", "Operating Expenses": "0.646", "Selling and Marketing Expense": "0.734", "Labor and Related Expense": "-0.791", "Other Revenues": "-2.36", "Revenues": "-2.36", "Other Assets": "-8.25", "Notes Receivable": "-2.23", "Loans": "8.79", "Securities": "-0.485", "Comprehensive Net Income": "-0.694", "Other Net Income": "0.627", "Economic Capital Ratio": "-2.86" }, "2020": { "Liabilities": "-2.89", "Stockholders Equity": "-2.75", "ECR before LimitedLiability": "-4.30", "Deposits": "-6.27", "Debt": "3.62", "Expenses": "2.01", "Net Income": "-0.926", "General and Administrative Expense": "0.524", "Selling and Marketing Expense": "0.675", "Operating Expenses": "1.21", "Labor and Related Expense": "-0.636", "Other Expenses": "0.389", "Other Revenues": "-3.14", "Revenues": "-3.14", "Notes Receivable": "-5.01", "Other Assets": "-9.48", "Loans": "7.99", "Cash and Cash Equivalents": "4.84", "Comprehensive Net Income": "-0.870", "Other Net Income": "0.510", "Economic Capital Ratio": "-4.64" }, "2021": { "Securities": "-0.340", "Assets": "0.958", "Liabilities": "-2.43", "Stockholders Equity": "-1.31", "ECR before LimitedLiability": "-4.15", "Loans": "-10.4", "Other Assets": "-5.56", "Notes Receivable": "10.8", "Cash and Cash Equivalents": "5.74", "Other Liabilities": "3.00", "Deposits": "-8.65", "Debt": "3.50", "Selling and Marketing Expense": "0.661", "Expenses": "2.24", "Revenues": "-3.52", "Net Income": "-1.82", "Operating Expenses": "1.03", "General and Administrative Expense": "0.669", "Other Revenues": "-3.52", "Comprehensive Net Income": "-1.75", "Economic Capital Ratio": "-4.58" }, "2022": { "Loans": "-8.88", "Assets": "2.95", "Liabilities": "0.630", "Stockholders Equity": "3.86", "ECR before LimitedLiability": "3.02", "Other Assets": "0.286", "Cash and Cash Equivalents": "-0.660", "Notes Receivable": "12.8", "Deposits": "-5.15", "Other Liabilities": "1.81", "Debt": "3.65", "Expenses": "2.26", "Revenues": "-2.78", "Comprehensive Net Income": "-0.469", "General and Administrative Expense": "0.577", "Selling and Marketing Expense": "0.613", "Operating Expenses": "1.18", "Other Revenues": "-2.78", "Other Compr. Net Income": "-0.500", "Other Net Income": "0.656", "Economic Capital Ratio": "2.55" }, "2023": { "Assets": "3.66", "Liabilities": "-0.846", "Stockholders Equity": "3.11", "ECR before LimitedLiability": "5.10", "Notes Receivable": "8.44", "Loans": "-1.64", "Other Assets": "-2.13", "Cash and Cash Equivalents": "0.994", "Other Liabilities": "-2.02", "Deposits": "-2.64", "Debt": "3.73", "Expenses": "4.68", "Revenues": "-4.18", "Net Income": "0.999", "Operating Expenses": "2.72", "Selling and Marketing Expense": "0.930", "General and Administrative Expense": "1.14", "Other Revenues": "-4.18", "Other Net Income": "0.891", "Comprehensive Net Income": "1.10", "Economic Capital Ratio": "3.20" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001001171_strength_weakness.svg", "table_records": { "2017": { "input_variables": { "Cash and Cash Equivalents": "22,219", "Debt": "0", "Deposits": "291,290", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "334,851", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "56,634", "Other Compr. Net Income": "-44", "Other Expenses": "1,863", "Other Liabilities": "74,683", "Other Net Income": "3,732", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "413,704", "Liabilities": "365,973", "Expenses": "1,863", "Revenues": "0", "Stockholders Equity": "47,731", "Net Income": "1,869", "Comprehensive Net Income": "1,825", "BaseVar": "392,658", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "14%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "16,651", "Debt": "0", "Deposits": "281,414", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "7,055", "Loans": "355,556", "Notes Receivable": "0", "Occupancy": "1,278", "Operating Expenses": "0", "Other Assets": "37,190", "Other Compr. Net Income": "-202", "Other Expenses": "2,459", "Other Liabilities": "79,547", "Other Net Income": "11,865", "Other Revenues": "562", "Professional Fees": "820", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "409,397", "Liabilities": "360,961", "Expenses": "11,612", "Revenues": "562", "Stockholders Equity": "48,436", "Net Income": "815", "Comprehensive Net Income": "613", "BaseVar": "397,300", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "15,566", "Debt": "0", "Deposits": "297,724", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "7,357", "Loans": "397,847", "Notes Receivable": "0", "Occupancy": "1,265", "Operating Expenses": "0", "Other Assets": "26,956", "Other Compr. Net Income": "260", "Other Expenses": "1,797", "Other Liabilities": "93,797", "Other Net Income": "10,905", "Other Revenues": "615", "Professional Fees": "1,307", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "440,369", "Liabilities": "391,521", "Expenses": "11,726", "Revenues": "615", "Stockholders Equity": "48,848", "Net Income": "-206", "Comprehensive Net Income": "54", "BaseVar": "427,698", "ECR before LimitedLiability": "5.9%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "96,109", "Debt": "0", "Deposits": "315,630", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "8,362", "Loans": "360,129", "Notes Receivable": "0", "Occupancy": "1,288", "Operating Expenses": "0", "Other Assets": "27,140", "Other Compr. Net Income": "187", "Other Expenses": "1,743", "Other Liabilities": "118,863", "Other Net Income": "12,619", "Other Revenues": "546", "Professional Fees": "2,414", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "483,378", "Liabilities": "434,493", "Expenses": "13,807", "Revenues": "546", "Stockholders Equity": "48,885", "Net Income": "-642", "Comprehensive Net Income": "-455", "BaseVar": "472,515", "ECR before LimitedLiability": "5.2%", "Economic Capital Ratio": "13%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "231,520", "Debt": "0", "Deposits": "788,052", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "16,007", "Loans": "0", "Notes Receivable": "648,513", "Occupancy": "1,781", "Operating Expenses": "0", "Other Assets": "213,472", "Other Compr. Net Income": "-816", "Other Expenses": "6,501", "Other Liabilities": "164,353", "Other Net Income": "22,870", "Other Revenues": "1,171", "Professional Fees": "3,701", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,093,505", "Liabilities": "952,405", "Expenses": "27,990", "Revenues": "1,171", "Stockholders Equity": "141,100", "Net Income": "-3,949", "Comprehensive Net Income": "-4,765", "BaseVar": "1,049,378", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "16,105", "Debt": "0", "Deposits": "686,916", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "14,303", "Loans": "0", "Notes Receivable": "768,046", "Occupancy": "1,615", "Operating Expenses": "0", "Other Assets": "400,142", "Other Compr. Net Income": "-16,992", "Other Expenses": "8,676", "Other Liabilities": "217,725", "Other Net Income": "31,863", "Other Revenues": "1,195", "Professional Fees": "2,758", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,184,293", "Liabilities": "904,641", "Expenses": "27,352", "Revenues": "1,195", "Stockholders Equity": "279,652", "Net Income": "5,706", "Comprehensive Net Income": "-11,286", "BaseVar": "1,083,168", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "18%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "105,195", "Debt": "0", "Deposits": "682,635", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "15,653", "Loans": "0", "Notes Receivable": "880,457", "Occupancy": "1,870", "Operating Expenses": "0", "Other Assets": "389,752", "Other Compr. Net Income": "3,924", "Other Expenses": "8,531", "Other Liabilities": "410,672", "Other Net Income": "32,685", "Other Revenues": "1,201", "Professional Fees": "3,126", "Securities": "0", "Selling and Marketing Expense": "168" }, "output_variables": { "Assets": "1,375,404", "Liabilities": "1,093,307", "Expenses": "29,348", "Revenues": "1,201", "Stockholders Equity": "282,097", "Net Income": "4,538", "Comprehensive Net Income": "8,462", "BaseVar": "1,267,934", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "18%" } } }, "top_rated": true, "trend": 5.0, "value": 0.18220808682192466, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001001171.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001001171.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001001171.svg" }, { "company_id": "0001847398", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001847398.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001847398.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001847398.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001847398_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001847398_main_keyfigs.svg", "name": "Northeast Community Bancorp Inc MD", "rank": 14, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001847398.svg", "report_text": "The relative strengths and weaknesses of Northeast Community Bancorp Inc MD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Northeast Community Bancorp Inc MD compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Northeast Community Bancorp Inc MD is the variable Deposits, reducing the Economic Capital Ratio by 20% points.

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_savings/2023/report/0001847398_2024_Northeast_Community_Bancorp_Inc_MD.pdf", "shrinked_graph_json": { "2021": { "Securities": "-0.269", "Assets": "2.79", "Liabilities": "-1.10", "Stockholders Equity": "2.02", "Economic Capital Ratio": "-0.240", "Loans": "14.0", "Other Assets": "-7.61", "Notes Receivable": "-4.89", "Cash and Cash Equivalents": "2.22", "Other Liabilities": "7.18", "Deposits": "-14.3", "Debt": "3.00", "Selling and Marketing Expense": "0.551", "Expenses": "3.54", "Revenues": "-3.24", "Net Income": "-0.620", "Operating Expenses": "0.852", "Labor and Related Expense": "0.840", "General and Administrative Expense": "0.558", "Other Revenues": "-3.24", "Comprehensive Net Income": "-0.500", "Other Net Income": "-0.712" }, "2022": { "Loans": "16.2", "Assets": "2.53", "Liabilities": "-1.24", "Stockholders Equity": "1.59", "ECR before LimitedLiability": "2.86", "Other Assets": "-7.21", "Cash and Cash Equivalents": "1.10", "Notes Receivable": "-7.14", "Deposits": "-18.0", "Other Liabilities": "8.79", "Debt": "3.59", "Labor and Related Expense": "0.970", "Expenses": "3.58", "Revenues": "-2.80", "Net Income": "0.972", "Selling and Marketing Expense": "0.604", "Operating Expenses": "1.17", "Other Revenues": "-2.80", "Comprehensive Net Income": "1.59", "Other Compr. Net Income": "0.597", "Economic Capital Ratio": "2.39" }, "2023": { "Assets": "2.75", "Liabilities": "-1.98", "Stockholders Equity": "1.10", "ECR before LimitedLiability": "4.66", "Notes Receivable": "13.1", "Loans": "-1.66", "Other Assets": "-8.35", "Other Liabilities": "9.37", "Deposits": "-20.1", "Debt": "2.23", "Expenses": "5.81", "Revenues": "-4.24", "Net Income": "2.81", "Labor and Related Expense": "0.979", "Operating Expenses": "2.75", "Selling and Marketing Expense": "0.949", "General and Administrative Expense": "1.15", "Other Revenues": "-4.24", "Other Net Income": "1.85", "Comprehensive Net Income": "2.69", "Economic Capital Ratio": "2.76" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001847398_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Cash and Cash Equivalents": "152,269", "Debt": "0", "Deposits": "927,164", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "968,093", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "104,708", "Other Compr. Net Income": "46", "Other Expenses": "3,669", "Other Liabilities": "46,524", "Other Net Income": "15,574", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,225,070", "Liabilities": "973,688", "Expenses": "3,669", "Revenues": "0", "Stockholders Equity": "251,382", "Net Income": "11,905", "Comprehensive Net Income": "11,951", "BaseVar": "1,109,024", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "18%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "95,308", "Debt": "0", "Deposits": "1,121,955", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,212,219", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "117,436", "Other Compr. Net Income": "295", "Other Expenses": "9,586", "Other Liabilities": "41,019", "Other Net Income": "34,429", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,424,963", "Liabilities": "1,162,974", "Expenses": "9,586", "Revenues": "0", "Stockholders Equity": "261,989", "Net Income": "24,843", "Comprehensive Net Income": "25,138", "BaseVar": "1,316,124", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "18%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "68,671", "Debt": "64,000", "Deposits": "1,400,036", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,581,804", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "113,660", "Other Compr. Net Income": "161", "Other Expenses": "18,465", "Other Liabilities": "20,774", "Other Net Income": "64,741", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,764,135", "Liabilities": "1,484,810", "Expenses": "18,465", "Revenues": "0", "Stockholders Equity": "279,325", "Net Income": "46,276", "Comprehensive Net Income": "46,437", "BaseVar": "1,666,156", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "18%" } } }, "top_rated": true, "trend": 5.0, "value": 0.17778030867896388, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001847398.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001847398.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001847398.svg" }, { "company_id": "0001745916", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001745916.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001745916.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001745916.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001745916_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001745916_main_keyfigs.svg", "name": "Pennymac Financial Services Inc", "rank": 15, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001745916.svg", "report_text": "The relative strengths and weaknesses of Pennymac Financial Services Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Pennymac Financial Services Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 17% points.The greatest weakness of Pennymac Financial Services Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 42% points.

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_savings/2023/report/0001745916_2024_Pennymac_Financial_Services_Inc.pdf", "shrinked_graph_json": { "2018": { "Other Assets": "19.9", "Assets": "-1.20", "Liabilities": "3.66", "Stockholders Equity": "1.82", "ECR before LimitedLiability": "4.29", "Notes Receivable": "-1.02", "Cash and Cash Equivalents": "-1.09", "Loans": "-16.8", "Deposits": "14.9", "Other Liabilities": "-48.4", "Debt": "2.73", "Expenses": "-3.92", "Revenues": "7.97", "Net Income": "2.12", "Labor and Related Expense": "-3.62", "Other Expenses": "5.46", "Operating Expenses": "-6.34", "Other Revenues": "7.97", "Comprehensive Net Income": "2.21", "Other Net Income": "-1.52", "Economic Capital Ratio": "4.02" }, "2019": { "Other Assets": "19.6", "Assets": "-1.61", "Liabilities": "3.89", "Stockholders Equity": "1.52", "ECR before LimitedLiability": "4.08", "Cash and Cash Equivalents": "-1.21", "Notes Receivable": "-1.94", "Loans": "-16.2", "Deposits": "14.4", "Debt": "4.06", "Other Liabilities": "-49.1", "Expenses": "-4.81", "Revenues": "-2.42", "Net Income": "2.25", "Other Expenses": "4.49", "Operating Expenses": "-6.61", "Labor and Related Expense": "-3.12", "Other Revenues": "-2.42", "Comprehensive Net Income": "2.17", "Other Net Income": "10.6", "Economic Capital Ratio": "3.89" }, "2020": { "Notes Receivable": "-4.52", "Assets": "-1.94", "Stockholders Equity": "-2.55", "Debt": "3.32", "Economic Capital Ratio": "-0.248", "Other Assets": "16.5", "Loans": "-11.8", "Cash and Cash Equivalents": "-1.82", "Professional Fees": "-0.599", "Expenses": "-0.792", "Revenues": "-3.01", "Net Income": "3.18", "General and Administrative Expense": "0.464", "Selling and Marketing Expense": "0.596", "Operating Expenses": "-2.25", "Labor and Related Expense": "-0.926", "Other Expenses": "1.64", "Other Revenues": "-3.01", "Deposits": "11.9", "Other Liabilities": "-49.0", "Comprehensive Net Income": "3.21", "Other Net Income": "8.09" }, "2021": { "Assets": "-2.06", "Liabilities": "3.03", "ECR before LimitedLiability": "2.42", "Loans": "-11.2", "Other Assets": "18.7", "Notes Receivable": "-5.54", "Cash and Cash Equivalents": "-2.08", "Other Liabilities": "-49.7", "Deposits": "14.5", "Debt": "3.37", "Expenses": "-4.47", "Net Income": "2.36", "Other Expenses": "4.93", "Professional Fees": "-1.60", "Operating Expenses": "-6.42", "Labor and Related Expense": "-2.98", "Other Revenues": "-3.81", "Revenues": "-3.81", "Comprehensive Net Income": "2.49", "Other Net Income": "12.1", "Economic Capital Ratio": "1.99" }, "2022": { "Deposits": "13.4", "Liabilities": "2.41", "Stockholders Equity": "1.96", "ECR before LimitedLiability": "4.57", "Other Liabilities": "-44.9", "Debt": "3.83", "Labor and Related Expense": "-2.19", "Expenses": "-2.43", "Net Income": "1.73", "Professional Fees": "-1.04", "Other Expenses": "4.09", "Operating Expenses": "-4.65", "Other Revenues": "-3.10", "Revenues": "-3.10", "Loans": "-9.54", "Other Assets": "19.1", "Cash and Cash Equivalents": "-1.13", "Notes Receivable": "-7.79", "Comprehensive Net Income": "2.37", "Other Net Income": "7.97", "Economic Capital Ratio": "4.10" }, "2023": { "Assets": "1.61", "Other Liabilities": "-41.6", "Stockholders Equity": "2.12", "ECR before LimitedLiability": "4.49", "Notes Receivable": "-13.1", "Loans": "-1.75", "Other Assets": "17.1", "Cash and Cash Equivalents": "-1.59", "Expenses": "1.33", "Revenues": "-4.46", "Net Income": "1.40", "Labor and Related Expense": "-1.26", "Other Expenses": "2.94", "Operating Expenses": "-2.04", "General and Administrative Expense": "1.22", "Other Revenues": "-4.46", "Deposits": "11.2", "Debt": "3.98", "Other Net Income": "5.10", "Comprehensive Net Income": "1.27", "Economic Capital Ratio": "2.59" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001745916_strength_weakness.svg", "table_records": { "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "403,270", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "716,932", "Other Assets": "7,478,573", "Other Compr. Net Income": "0", "Other Expenses": "-443,236", "Other Liabilities": "5,824,782", "Other Net Income": "0", "Other Revenues": "984,629", "Professional Fees": "55,013", "Securities": "0", "Selling and Marketing Expense": "8,207" }, "output_variables": { "Assets": "7,478,573", "Liabilities": "5,824,782", "Expenses": "740,186", "Revenues": "984,629", "Stockholders Equity": "1,653,791", "Net Income": "244,443", "Comprehensive Net Income": "244,443", "BaseVar": "7,514,085", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "21%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "503,458", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "947,960", "Other Assets": "10,204,017", "Other Compr. Net Income": "0", "Other Expenses": "-517,176", "Other Liabilities": "8,142,510", "Other Net Income": "1,477,404", "Other Revenues": "0", "Professional Fees": "150,197", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "10,204,017", "Liabilities": "8,142,510", "Expenses": "1,084,439", "Revenues": "0", "Stockholders Equity": "2,061,507", "Net Income": "392,965", "Comprehensive Net Income": "392,965", "BaseVar": "10,454,185", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "20%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "738,569", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,464,988", "Other Assets": "31,597,795", "Other Compr. Net Income": "0", "Other Expenses": "-428,654", "Other Liabilities": "28,208,407", "Other Net Income": "3,705,597", "Other Revenues": "0", "Professional Fees": "283,810", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "31,597,795", "Liabilities": "28,208,407", "Expenses": "2,058,713", "Revenues": "0", "Stockholders Equity": "3,389,388", "Net Income": "1,646,884", "Comprehensive Net Income": "1,646,884", "BaseVar": "32,785,256", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "18%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "999,802", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,808,178", "Other Assets": "18,776,612", "Other Compr. Net Income": "0", "Other Expenses": "-1,113,986", "Other Liabilities": "15,358,287", "Other Net Income": "3,167,361", "Other Revenues": "0", "Professional Fees": "425,071", "Securities": "0", "Selling and Marketing Expense": "44,806" }, "output_variables": { "Assets": "18,776,612", "Liabilities": "15,358,287", "Expenses": "2,163,871", "Revenues": "0", "Stockholders Equity": "3,418,325", "Net Income": "1,003,490", "Comprehensive Net Income": "1,003,490", "BaseVar": "19,733,066", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "21%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "735,231", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,320,508", "Other Assets": "16,822,584", "Other Compr. Net Income": "0", "Other Expenses": "-839,145", "Other Liabilities": "13,351,535", "Other Net Income": "1,985,755", "Other Revenues": "0", "Professional Fees": "246,892", "Securities": "0", "Selling and Marketing Expense": "46,762" }, "output_variables": { "Assets": "16,822,584", "Liabilities": "13,351,535", "Expenses": "1,510,248", "Revenues": "0", "Stockholders Equity": "3,471,049", "Net Income": "475,507", "Comprehensive Net Income": "475,507", "BaseVar": "16,835,061", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "20%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "576,964", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,218,025", "Other Assets": "18,844,563", "Other Compr. Net Income": "0", "Other Expenses": "-730,641", "Other Liabilities": "15,305,960", "Other Net Income": "1,401,656", "Other Revenues": "0", "Professional Fees": "175,021", "Securities": "0", "Selling and Marketing Expense": "17,631" }, "output_variables": { "Assets": "18,844,563", "Liabilities": "15,305,960", "Expenses": "1,257,000", "Revenues": "0", "Stockholders Equity": "3,538,603", "Net Income": "144,656", "Comprehensive Net Income": "144,656", "BaseVar": "18,404,590", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "18%" } } }, "top_rated": true, "trend": -2.0, "value": 0.17610140563484733, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001745916.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001745916.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001745916.svg" }, { "company_id": "0001783398", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001783398.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001783398.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001783398.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001783398_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001783398_main_keyfigs.svg", "name": "UWM Holdings Corp", "rank": 16, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001783398.svg", "report_text": "The relative strengths and weaknesses of UWM Holdings Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of UWM Holdings Corp compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 16% points.The greatest weakness of UWM Holdings Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 39% points.

The company's Economic Capital Ratio, given in the ranking table, is 17%, being 2.4% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001783398_2024_UWM_Holdings_Corp.pdf", "shrinked_graph_json": { "2020": { "Notes Receivable": "-0.828", "Assets": "8.97", "Liabilities": "52.0", "Stockholders Equity": "74.4", "ECR before LimitedLiability": "70.9", "Other Assets": "37.0", "Loans": "-2.05", "Other Liabilities": "14.5", "Deposits": "39.2", "Debt": "7.23", "Expenses": "5.24", "Revenues": "-4.19", "Net Income": "-3.61", "Selling and Marketing Expense": "0.802", "Operating Expenses": "1.42", "Labor and Related Expense": "1.01", "Other Expenses": "0.803", "Other Revenues": "-4.19", "Comprehensive Net Income": "-3.58", "Other Net Income": "-4.67", "Economic Capital Ratio": "70.5" }, "2021": { "Assets": "-1.31", "Other Liabilities": "-53.7", "Stockholders Equity": "-1.13", "ECR before LimitedLiability": "1.88", "Loans": "-10.7", "Other Assets": "17.5", "Notes Receivable": "-5.29", "Cash and Cash Equivalents": "-1.06", "Other Revenues": "6.17", "Revenues": "6.17", "Net Income": "3.55", "Debt": "3.22", "Deposits": "13.9", "Selling and Marketing Expense": "0.592", "Comprehensive Net Income": "3.69", "Other Expenses": "4.25", "Operating Expenses": "-3.53", "Other Net Income": "-1.80", "Labor and Related Expense": "-1.30", "Interest Expense": "-0.763", "Economic Capital Ratio": "1.44" }, "2022": { "Loans": "-10.2", "Assets": "-0.892", "Liabilities": "4.54", "Stockholders Equity": "2.93", "ECR before LimitedLiability": "8.81", "Other Assets": "19.9", "Notes Receivable": "-8.35", "Deposits": "16.5", "Other Liabilities": "-46.4", "Debt": "4.16", "Labor and Related Expense": "-2.16", "Expenses": "-4.02", "Revenues": "10.3", "Net Income": "4.83", "Other Expenses": "6.34", "Interest Expense": "-1.63", "Operating Expenses": "-7.83", "Other Revenues": "10.3", "Comprehensive Net Income": "5.48", "Other Net Income": "-1.67", "Economic Capital Ratio": "8.34" }, "2023": { "Assets": "0.488", "Liabilities": "2.43", "Stockholders Equity": "2.84", "ECR before LimitedLiability": "4.34", "Notes Receivable": "-13.7", "Loans": "-1.84", "Other Assets": "16.4", "Other Liabilities": "-38.5", "Deposits": "11.4", "Debt": "4.19", "Interest Expense": "-1.75", "Expenses": "-2.20", "Revenues": "3.91", "Net Income": "0.381", "Labor and Related Expense": "-2.29", "Other Expenses": "7.95", "Operating Expenses": "-5.86", "Selling and Marketing Expense": "1.06", "Other Revenues": "3.91", "Other Net Income": "-0.989", "Economic Capital Ratio": "2.43" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001783398_strength_weakness.svg", "table_records": { "2020": { "input_variables": { "Cash and Cash Equivalents": "51", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "425,515", "Other Compr. Net Income": "0", "Other Expenses": "81", "Other Liabilities": "20,073", "Other Net Income": "-5,726", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "425,566", "Liabilities": "20,073", "Expenses": "81", "Revenues": "0", "Stockholders Equity": "405,493", "Net Income": "-5,807", "Comprehensive Net Income": "-5,807", "BaseVar": "225,723", "ECR before LimitedLiability": "88%", "Economic Capital Ratio": "88%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "731,088", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "35,098", "General and Administrative Expense": "133,334", "Interest Expense": "304,656", "Interest Payable": "0", "Labor and Related Expense": "697,680", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,392,052", "Other Assets": "21,797,270", "Other Compr. Net Income": "0", "Other Expenses": "-1,160,927", "Other Liabilities": "19,357,357", "Other Net Income": "0", "Other Revenues": "2,970,293", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "22,528,358", "Liabilities": "19,357,357", "Expenses": "1,401,893", "Revenues": "2,970,293", "Stockholders Equity": "3,171,001", "Net Income": "1,568,400", "Comprehensive Net Income": "1,568,400", "BaseVar": "23,128,950", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "20%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "704,898", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "45,235", "General and Administrative Expense": "179,549", "Interest Expense": "305,987", "Interest Payable": "0", "Labor and Related Expense": "552,886", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,437,957", "Other Assets": "12,895,727", "Other Compr. Net Income": "0", "Other Expenses": "-1,080,846", "Other Liabilities": "10,428,932", "Other Net Income": "0", "Other Revenues": "2,372,626", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "13,600,625", "Liabilities": "10,428,932", "Expenses": "1,440,768", "Revenues": "2,372,626", "Stockholders Equity": "3,171,693", "Net Income": "931,858", "Comprehensive Net Income": "931,858", "BaseVar": "13,921,476", "ECR before LimitedLiability": "21%", "Economic Capital Ratio": "24%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "497,468", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "46,146", "General and Administrative Expense": "170,423", "Interest Expense": "320,256", "Interest Payable": "0", "Labor and Related Expense": "530,231", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,387,620", "Other Assets": "11,374,386", "Other Compr. Net Income": "0", "Other Expenses": "-1,073,567", "Other Liabilities": "9,397,183", "Other Net Income": "0", "Other Revenues": "1,311,327", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "11,871,854", "Liabilities": "9,397,183", "Expenses": "1,381,109", "Revenues": "1,311,327", "Stockholders Equity": "2,474,671", "Net Income": "-69,782", "Comprehensive Net Income": "-69,782", "BaseVar": "11,980,736", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "17%" } } }, "top_rated": true, "trend": -8.0, "value": 0.17453114462284716, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001783398.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001783398.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001783398.svg" }, { "company_id": "0001584207", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001584207.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001584207.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001584207.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001584207_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001584207_main_keyfigs.svg", "name": "Onemain Holdings Inc", "rank": 17, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001584207.svg", "report_text": "The relative strengths and weaknesses of Onemain Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Onemain Holdings Inc compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Onemain Holdings Inc is the variable Debt, reducing the Economic Capital Ratio by 63% points.

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_savings/2023/report/0001584207_2024_Onemain_Holdings_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "0.743", "Assets": "2.26", "Liabilities": "-1.56", "Stockholders Equity": "0.962", "ECR before LimitedLiability": "1.53", "Securities": "3.13", "Other Assets": "-6.13", "Notes Receivable": "-1.20", "Loans": "8.80", "Deposits": "11.5", "Other Liabilities": "6.56", "Debt": "-60.4", "Expenses": "4.53", "Revenues": "-3.42", "Net Income": "1.14", "Selling and Marketing Expense": "0.891", "General and Administrative Expense": "0.987", "Other Expenses": "-1.21", "Operating Expenses": "2.71", "Other Revenues": "-3.42", "Comprehensive Net Income": "1.21", "Economic Capital Ratio": "0.258" }, "2017": { "Notes Receivable": "-1.15", "Assets": "1.48", "Liabilities": "-0.956", "Stockholders Equity": "0.713", "ECR before LimitedLiability": "1.17", "Securities": "2.70", "Cash and Cash Equivalents": "1.22", "Other Assets": "-6.34", "Loans": "8.36", "Other Liabilities": "7.11", "Debt": "-62.4", "Deposits": "11.6", "Expenses": "2.71", "Revenues": "-2.64", "Net Income": "0.675", "Other Expenses": "-0.910", "Operating Expenses": "1.84", "Labor and Related Expense": "0.529", "Other Revenues": "-2.64", "Comprehensive Net Income": "0.770", "Other Net Income": "0.828", "Economic Capital Ratio": "0.464" }, "2018": { "Other Assets": "-6.08", "Assets": "1.40", "Liabilities": "-0.465", "Stockholders Equity": "1.14", "ECR before LimitedLiability": "2.00", "Notes Receivable": "-0.963", "Securities": "2.50", "Cash and Cash Equivalents": "0.847", "Loans": "7.46", "Deposits": "12.8", "Other Liabilities": "6.28", "Debt": "-64.2", "Expenses": "2.69", "Revenues": "-2.13", "Net Income": "1.38", "Selling and Marketing Expense": "0.463", "Operating Expenses": "1.08", "Other Revenues": "-2.13", "Comprehensive Net Income": "1.29", "Other Net Income": "0.919", "Economic Capital Ratio": "1.73" }, "2019": { "Other Assets": "-6.14", "Assets": "1.19", "Stockholders Equity": "1.58", "Other Liabilities": "6.15", "ECR before LimitedLiability": "3.74", "Cash and Cash Equivalents": "1.11", "Notes Receivable": "-1.77", "Loans": "7.70", "Securities": "2.29", "Expenses": "2.10", "Revenues": "-2.19", "Net Income": "2.21", "Operating Expenses": "0.530", "Selling and Marketing Expense": "0.601", "Labor and Related Expense": "0.500", "Other Revenues": "-2.19", "Debt": "-61.5", "Deposits": "13.5", "Comprehensive Net Income": "2.40", "Other Net Income": "2.30", "Economic Capital Ratio": "3.55" }, "2020": { "Notes Receivable": "15.5", "Assets": "0.790", "Liabilities": "-1.48", "ECR before LimitedLiability": "0.683", "Other Assets": "-6.84", "Loans": "-11.1", "Cash and Cash Equivalents": "2.27", "Securities": "2.64", "Other Liabilities": "8.01", "Deposits": "11.9", "Debt": "-65.0", "Expenses": "2.93", "Net Income": "1.72", "General and Administrative Expense": "0.429", "Selling and Marketing Expense": "0.551", "Operating Expenses": "0.979", "Labor and Related Expense": "0.698", "Other Revenues": "-2.82", "Revenues": "-2.82", "Comprehensive Net Income": "1.91", "Other Net Income": "1.77", "Economic Capital Ratio": "0.344" }, "2021": { "Other Liabilities": "6.70", "Liabilities": "-1.14", "Stockholders Equity": "-0.872", "ECR before LimitedLiability": "1.03", "Deposits": "13.0", "Debt": "-67.4", "Expenses": "2.38", "Net Income": "2.92", "Other Expenses": "-0.919", "Operating Expenses": "0.876", "Labor and Related Expense": "0.864", "Other Revenues": "-3.39", "Revenues": "-3.39", "Securities": "2.66", "Loans": "-10.2", "Other Assets": "-7.11", "Notes Receivable": "16.9", "Cash and Cash Equivalents": "-0.582", "Comprehensive Net Income": "2.93", "Other Net Income": "4.06", "Economic Capital Ratio": "0.590" }, "2022": { "Loans": "-8.95", "Assets": "0.903", "Liabilities": "-1.66", "ECR before LimitedLiability": "1.81", "Other Assets": "-6.38", "Securities": "2.58", "Notes Receivable": "14.1", "Deposits": "11.2", "Other Liabilities": "8.16", "Debt": "-63.0", "Labor and Related Expense": "1.02", "Expenses": "3.35", "Net Income": "2.67", "Other Expenses": "-0.642", "Selling and Marketing Expense": "0.636", "Operating Expenses": "1.23", "Other Revenues": "-2.90", "Revenues": "-2.90", "Comprehensive Net Income": "2.68", "Other Net Income": "2.50", "Economic Capital Ratio": "1.34" }, "2023": { "Securities": "2.36", "Assets": "2.39", "Liabilities": "-2.67", "ECR before LimitedLiability": "3.67", "Notes Receivable": "9.00", "Loans": "-1.72", "Other Assets": "-6.98", "Other Liabilities": "8.34", "Deposits": "10.4", "Debt": "-62.8", "Expenses": "6.32", "Net Income": "2.90", "Labor and Related Expense": "1.01", "Operating Expenses": "2.86", "Selling and Marketing Expense": "0.980", "General and Administrative Expense": "1.19", "Other Revenues": "-4.26", "Revenues": "-4.26", "Other Net Income": "1.71", "Comprehensive Net Income": "2.91", "Economic Capital Ratio": "1.77" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001584207_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "1,147,000", "Debt": "13,959,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "12,457,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,755,000", "Other Compr. Net Income": "-1,000", "Other Expenses": "113,000", "Other Liabilities": "1,098,000", "Other Net Income": "356,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "1,764,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "18,123,000", "Liabilities": "15,057,000", "Expenses": "113,000", "Revenues": "0", "Stockholders Equity": "3,066,000", "Net Income": "243,000", "Comprehensive Net Income": "242,000", "BaseVar": "16,825,000", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "17%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "1,485,000", "Debt": "15,050,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "13,670,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,581,000", "Other Compr. Net Income": "17,000", "Other Expenses": "248,000", "Other Liabilities": "1,105,000", "Other Net Income": "431,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "1,697,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "19,433,000", "Liabilities": "16,155,000", "Expenses": "248,000", "Revenues": "0", "Stockholders Equity": "3,278,000", "Net Income": "183,000", "Comprehensive Net Income": "200,000", "BaseVar": "18,142,000", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "17%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "1,178,000", "Debt": "15,178,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "14,771,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,447,000", "Other Compr. Net Income": "-47,000", "Other Expenses": "177,000", "Other Liabilities": "1,113,000", "Other Net Income": "624,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "1,694,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "20,090,000", "Liabilities": "16,291,000", "Expenses": "177,000", "Revenues": "0", "Stockholders Equity": "3,799,000", "Net Income": "447,000", "Comprehensive Net Income": "400,000", "BaseVar": "18,614,500", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "19%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "1,632,000", "Debt": "17,212,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "16,767,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,534,000", "Other Compr. Net Income": "78,000", "Other Expenses": "243,000", "Other Liabilities": "1,275,000", "Other Net Income": "1,098,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "1,884,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "22,817,000", "Liabilities": "18,487,000", "Expenses": "243,000", "Revenues": "0", "Stockholders Equity": "4,330,000", "Net Income": "855,000", "Comprehensive Net Income": "933,000", "BaseVar": "21,361,500", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "20%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "2,723,000", "Debt": "17,800,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "15,044,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,782,000", "Other Compr. Net Income": "50,000", "Other Expenses": "247,000", "Other Liabilities": "1,230,000", "Other Net Income": "977,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "1,922,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "22,471,000", "Liabilities": "19,030,000", "Expenses": "247,000", "Revenues": "0", "Stockholders Equity": "3,441,000", "Net Income": "730,000", "Comprehensive Net Income": "780,000", "BaseVar": "21,387,500", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "18%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "1,017,000", "Debt": "17,750,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "16,356,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,714,000", "Other Compr. Net Income": "-33,000", "Other Expenses": "427,000", "Other Liabilities": "1,236,000", "Other Net Income": "1,741,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "1,992,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "22,079,000", "Liabilities": "18,986,000", "Expenses": "427,000", "Revenues": "0", "Stockholders Equity": "3,093,000", "Net Income": "1,314,000", "Comprehensive Net Income": "1,281,000", "BaseVar": "21,633,000", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "19%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "959,000", "Debt": "18,281,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "16,926,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,848,000", "Other Compr. Net Income": "-180,000", "Other Expenses": "285,000", "Other Liabilities": "1,223,000", "Other Net Income": "1,163,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "1,800,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "22,533,000", "Liabilities": "19,504,000", "Expenses": "285,000", "Revenues": "0", "Stockholders Equity": "3,029,000", "Net Income": "878,000", "Comprehensive Net Income": "698,000", "BaseVar": "21,832,500", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "17%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "1,548,000", "Debt": "19,813,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "18,098,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,929,000", "Other Compr. Net Income": "40,000", "Other Expenses": "199,000", "Other Liabilities": "1,295,000", "Other Net Income": "840,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "1,719,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "24,294,000", "Liabilities": "21,108,000", "Expenses": "199,000", "Revenues": "0", "Stockholders Equity": "3,186,000", "Net Income": "641,000", "Comprehensive Net Income": "681,000", "BaseVar": "23,240,500", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "17%" } } }, "top_rated": true, "trend": 7.0, "value": 0.1678851871793624, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001584207.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001584207.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001584207.svg" }, { "company_id": "0001544190", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001544190.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001544190.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001544190.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001544190_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001544190_main_keyfigs.svg", "name": "Shepherd s Finance LLC", "rank": 18, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001544190.svg", "report_text": "The relative strengths and weaknesses of Shepherd s Finance LLC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Shepherd s Finance LLC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Shepherd s Finance LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 39% points.

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_savings/2023/report/0001544190_2024_Shepherd_s_Finance_LLC.pdf", "shrinked_graph_json": { "2016": { "Expenses": "0.668", "Net Income": "1.75", "Selling and Marketing Expense": "-2.94", "General and Administrative Expense": "1.08", "Labor and Related Expense": "0.573", "Other Expenses": "-1.14", "Operating Expenses": "2.98", "Other Revenues": "2.19", "Revenues": "2.19", "Cash and Cash Equivalents": "0.632", "Stockholders Equity": "-0.691", "ECR before LimitedLiability": "0.734", "Comprehensive Net Income": "1.84", "Debt": "3.72", "Other Assets": "15.0", "Notes Receivable": "-1.31", "Deposits": "11.4", "Other Liabilities": "-50.0", "Loans": "-14.1", "Other Net Income": "-1.04", "Economic Capital Ratio": "-0.533" }, "2017": { "Notes Receivable": "-1.25", "Assets": "-1.22", "Debt": "3.22", "Stockholders Equity": "-1.15", "ECR before LimitedLiability": "0.471", "Securities": "-0.541", "Cash and Cash Equivalents": "1.85", "Other Assets": "14.5", "Loans": "-15.0", "Expenses": "-1.06", "Revenues": "3.92", "Net Income": "1.64", "Selling and Marketing Expense": "-3.68", "Other Expenses": "-0.504", "Operating Expenses": "2.01", "Labor and Related Expense": "0.575", "Other Revenues": "3.92", "Other Liabilities": "-49.2", "Deposits": "11.5", "Comprehensive Net Income": "1.67", "Other Net Income": "-0.923", "Economic Capital Ratio": "-0.232" }, "2018": { "Other Assets": "14.3", "Assets": "-1.24", "Liabilities": "-1.18", "Stockholders Equity": "-2.39", "ECR before LimitedLiability": "-1.96", "Notes Receivable": "-1.19", "Securities": "-0.480", "Cash and Cash Equivalents": "-0.386", "Loans": "-15.9", "Deposits": "10.5", "Other Liabilities": "-51.4", "Debt": "2.92", "Other Revenues": "2.51", "Revenues": "2.51", "Net Income": "0.647", "Comprehensive Net Income": "0.750", "Labor and Related Expense": "0.538", "Other Net Income": "-1.57", "Selling and Marketing Expense": "-2.28", "Operating Expenses": "1.30", "Economic Capital Ratio": "-2.23" }, "2019": { "Other Assets": "-6.98", "Assets": "-1.13", "Stockholders Equity": "-1.76", "ECR before LimitedLiability": "-1.39", "Notes Receivable": "-2.15", "Loans": "7.99", "Interest Payable": "-1.63", "Liabilities": "-0.596", "Deposits": "10.5", "Debt": "4.35", "Other Liabilities": "-46.3", "Expenses": "-0.733", "Revenues": "3.00", "Net Income": "0.640", "Operating Expenses": "0.629", "Selling and Marketing Expense": "-2.15", "Labor and Related Expense": "0.594", "Other Revenues": "3.00", "Comprehensive Net Income": "0.560", "Other Net Income": "-1.39", "Economic Capital Ratio": "-1.58" }, "2020": { "Notes Receivable": "-5.97", "Assets": "-0.617", "Liabilities": "-3.39", "Stockholders Equity": "-3.78", "Other Assets": "-8.68", "Loans": "6.80", "Cash and Cash Equivalents": "1.18", "Other Liabilities": "-38.8", "Deposits": "6.24", "Interest Payable": "-2.58", "Debt": "1.35", "Other Revenues": "-3.75", "Revenues": "-3.75", "Net Income": "-3.88", "ECR before LimitedLiability": "-7.83", "Comprehensive Net Income": "-3.85", "General and Administrative Expense": "0.616", "Selling and Marketing Expense": "-2.73", "Operating Expenses": "1.21", "Labor and Related Expense": "1.01", "Economic Capital Ratio": "-8.16" }, "2021": { "Other Liabilities": "-45.4", "Liabilities": "-2.05", "Stockholders Equity": "-1.95", "Loans": "11.8", "ECR before LimitedLiability": "-3.34", "Deposits": "10.3", "Debt": "3.46", "Interest Payable": "-1.78", "Selling and Marketing Expense": "-1.88", "Expenses": "1.35", "Revenues": "-3.56", "Net Income": "-0.505", "Operating Expenses": "1.01", "Labor and Related Expense": "0.992", "General and Administrative Expense": "0.657", "Other Revenues": "-3.56", "Other Assets": "-7.58", "Notes Receivable": "-5.51", "Comprehensive Net Income": "-0.370", "Other Net Income": "2.09", "Economic Capital Ratio": "-3.77" }, "2022": { "Deposits": "10.7", "Liabilities": "-1.36", "Loans": "14.5", "Stockholders Equity": "-1.24", "ECR before LimitedLiability": "0.878", "Other Liabilities": "-42.9", "Interest Payable": "-1.80", "Debt": "3.98", "Labor and Related Expense": "1.08", "Expenses": "1.15", "Revenues": "-3.01", "Net Income": "1.74", "General and Administrative Expense": "0.632", "Selling and Marketing Expense": "-2.35", "Operating Expenses": "1.30", "Other Revenues": "-3.01", "Other Assets": "-7.67", "Notes Receivable": "-7.60", "Comprehensive Net Income": "2.43", "Other Net Income": "4.04", "Other Compr. Net Income": "0.646", "Economic Capital Ratio": "0.407" }, "2023": { "Other Liabilities": "-39.2", "Liabilities": "-1.86", "Stockholders Equity": "-1.22", "Notes Receivable": "-13.1", "ECR before LimitedLiability": "3.45", "Interest Payable": "-2.36", "Deposits": "10.5", "Debt": "4.07", "Expenses": "3.48", "Revenues": "-4.45", "Net Income": "4.09", "Labor and Related Expense": "1.06", "Operating Expenses": "3.02", "Selling and Marketing Expense": "-2.01", "General and Administrative Expense": "1.25", "Other Revenues": "-4.45", "Loans": "-1.81", "Other Assets": "15.1", "Other Net Income": "5.89", "Comprehensive Net Income": "3.95", "Economic Capital Ratio": "1.55" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001544190_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "1,566", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "23,320", "Other Compr. Net Income": "0", "Other Expenses": "111", "Other Liabilities": "21,487", "Other Net Income": "0", "Other Revenues": "1,948", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "1,319" }, "output_variables": { "Assets": "24,886", "Liabilities": "21,487", "Expenses": "1,430", "Revenues": "1,948", "Stockholders Equity": "3,399", "Net Income": "518", "Comprehensive Net Income": "518", "BaseVar": "24,876", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "16%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "3,478", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "32,877", "Other Compr. Net Income": "0", "Other Expenses": "266", "Other Liabilities": "31,572", "Other Net Income": "0", "Other Revenues": "3,138", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "2,090" }, "output_variables": { "Assets": "36,355", "Liabilities": "31,572", "Expenses": "2,356", "Revenues": "3,138", "Stockholders Equity": "4,783", "Net Income": "782", "Comprehensive Net Income": "782", "BaseVar": "36,710", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "16%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "1,401", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "54,409", "Other Compr. Net Income": "0", "Other Expenses": "700", "Other Liabilities": "49,728", "Other Net Income": "0", "Other Revenues": "3,398", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "2,030" }, "output_variables": { "Assets": "55,810", "Liabilities": "49,728", "Expenses": "2,730", "Revenues": "3,398", "Stockholders Equity": "6,082", "Net Income": "668", "Comprehensive Net Income": "668", "BaseVar": "55,833", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "1,883", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "2,533", "Labor and Related Expense": "0", "Loans": "55,369", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "7,085", "Other Compr. Net Income": "0", "Other Expenses": "924", "Other Liabilities": "54,657", "Other Net Income": "0", "Other Revenues": "4,332", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "2,394" }, "output_variables": { "Assets": "64,337", "Liabilities": "57,190", "Expenses": "3,318", "Revenues": "4,332", "Stockholders Equity": "7,147", "Net Income": "1,014", "Comprehensive Net Income": "1,014", "BaseVar": "64,588", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "4,749", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "3,158", "Labor and Related Expense": "0", "Loans": "46,405", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "8,115", "Other Compr. Net Income": "0", "Other Expenses": "686", "Other Liabilities": "50,852", "Other Net Income": "942", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "2,185" }, "output_variables": { "Assets": "59,269", "Liabilities": "54,010", "Expenses": "2,871", "Revenues": "0", "Stockholders Equity": "5,259", "Net Income": "-1,929", "Comprehensive Net Income": "-1,929", "BaseVar": "58,546", "ECR before LimitedLiability": "1.2%", "Economic Capital Ratio": "9.7%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "3,735", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "2,464", "Labor and Related Expense": "0", "Loans": "46,943", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "6,937", "Other Compr. 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Net Income": "0", "Other Expenses": "58", "Other Liabilities": "54,746", "Other Net Income": "4,501", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "2,683" }, "output_variables": { "Assets": "65,472", "Liabilities": "57,667", "Expenses": "2,741", "Revenues": "0", "Stockholders Equity": "7,805", "Net Income": "1,760", "Comprehensive Net Income": "1,760", "BaseVar": "65,190", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "16%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "3,522", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "3,861", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "61,312", "Other Compr. Net Income": "0", "Other Expenses": "117", "Other Liabilities": "54,206", "Other Net Income": "5,391", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "2,696" }, "output_variables": { "Assets": "64,834", "Liabilities": "58,067", "Expenses": "2,813", "Revenues": "0", "Stockholders Equity": "6,767", "Net Income": "2,578", "Comprehensive Net Income": "2,578", "BaseVar": "65,552", "ECR before LimitedLiability": "9.7%", "Economic Capital Ratio": "17%" } } }, "top_rated": true, "trend": 11.0, "value": 0.1656701896072817, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001544190.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001544190.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001544190.svg" }, { "company_id": "0001531031", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001531031.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001531031.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001531031.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001531031_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001531031_main_keyfigs.svg", "name": "Esquire Financial Holdings Inc", "rank": 19, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001531031.svg", "report_text": "The relative strengths and weaknesses of Esquire Financial Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Esquire Financial Holdings Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Esquire Financial Holdings Inc is the variable Deposits, reducing the Economic Capital Ratio by 25% points.

The company's Economic Capital Ratio, given in the ranking table, is 16%, being 1.3% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001531031_2024_Esquire_Financial_Holdings_Inc.pdf", "shrinked_graph_json": { "2017": { "Notes Receivable": "-1.18", "Assets": "1.61", "Economic Capital Ratio": "-0.364", "Securities": "-0.510", "Cash and Cash Equivalents": "1.44", "Other Assets": "-2.45", "Loans": "5.53", "Other Liabilities": "7.81", "Liabilities": "-1.54", "Debt": "3.02", "Deposits": "-16.7", "Expenses": "3.35", "Revenues": "-2.67", "Net Income": "0.487", "Selling and Marketing Expense": "0.481", "Other Expenses": "-0.444", "Operating Expenses": "1.89", "Labor and Related Expense": "0.541", "General and Administrative Expense": "0.436", "Other Revenues": "-2.67", "Comprehensive Net Income": "0.472" }, "2018": { "Liabilities": "-0.989", "Stockholders Equity": "-1.04", "ECR before LimitedLiability": "-1.64", "Deposits": "-14.3", "Other Liabilities": "6.68", "Debt": "2.84", "Expenses": "0.643", "Comprehensive Net Income": "-0.263", "Labor and Related Expense": "-1.05", "Professional Fees": "-0.269", "Selling and Marketing Expense": "0.472", "Operating Expenses": "1.27", "Other Revenues": "-2.36", "Revenues": "-2.36", "Other Assets": "-2.99", "Notes Receivable": "-1.15", "Securities": "-0.464", "Cash and Cash Equivalents": "0.440", "Loans": "5.35", "Other Net Income": "1.69", "Economic Capital Ratio": "-1.91" }, "2019": { "Liabilities": "-0.612", "Other Assets": "-3.59", "Stockholders Equity": "-0.505", "ECR before LimitedLiability": "-0.908", "Deposits": "-15.8", "Debt": "4.19", "Other Liabilities": "7.15", "Other Revenues": "-2.34", "Revenues": "-2.34", "Net Income": "-0.363", "Cash and Cash Equivalents": "1.52", "Notes Receivable": "-2.06", "Loans": "6.71", "Securities": "-0.445", "General and Administrative Expense": "0.359", "Other Expenses": "-0.284", "Operating Expenses": "0.604", "Selling and Marketing Expense": "0.614", "Labor and Related Expense": "-0.873", "Other Net Income": "1.89", "Economic Capital Ratio": "-1.10" }, "2020": { "Other Liabilities": "6.67", "Liabilities": "-1.76", "Stockholders Equity": "-1.31", "ECR before LimitedLiability": "-2.83", "Deposits": "-18.6", "Debt": "3.46", "Expenses": "1.25", "Net Income": "-0.941", "Selling and Marketing Expense": "0.582", "Operating Expenses": "1.13", "Labor and Related Expense": "-0.670", "Other Revenues": "-3.06", "Revenues": "-3.06", "Notes Receivable": "-4.72", "Other Assets": "-6.21", "Loans": "8.02", "Cash and Cash Equivalents": "0.528", "Securities": "1.85", "Comprehensive Net Income": "-0.832", "Other Net Income": "1.11", "Economic Capital Ratio": "-3.17" }, "2021": { "Other Liabilities": "5.78", "Liabilities": "-2.28", "Stockholders Equity": "-1.68", "ECR before LimitedLiability": "-4.48", "Deposits": "-17.0", "Debt": "3.57", "Selling and Marketing Expense": "0.591", "Expenses": "1.57", "Net Income": "-1.78", "Operating Expenses": "1.05", "General and Administrative Expense": "0.687", "Other Revenues": "-3.67", "Revenues": "-3.67", "Securities": "1.40", "Loans": "7.45", "Other Assets": "-6.36", "Notes Receivable": "-5.71", "Cash and Cash Equivalents": "2.69", "Comprehensive Net Income": "-1.80", "Other Net Income": "0.613", "Economic Capital Ratio": "-4.91" }, "2022": { "Deposits": "-19.2", "Liabilities": "-2.06", "Stockholders Equity": "-1.59", "ECR before LimitedLiability": "-2.17", "Other Liabilities": "5.48", "Debt": "4.39", "Labor and Related Expense": "-0.396", "Expenses": "1.68", "General and Administrative Expense": "0.717", "Other Expenses": "-0.784", "Selling and Marketing Expense": "0.669", "Operating Expenses": "1.49", "Other Revenues": "-3.30", "Revenues": "-3.30", "Loans": "8.33", "Other Assets": "-5.91", "Cash and Cash Equivalents": "3.79", "Securities": "1.15", "Notes Receivable": "-8.19", "Economic Capital Ratio": "-2.64", "Other Net Income": "1.83" }, "2023": { "Assets": "2.27", "Liabilities": "-2.86", "ECR before LimitedLiability": "3.21", "Notes Receivable": "-12.6", "Loans": "-1.75", "Other Assets": "14.5", "Cash and Cash Equivalents": "1.95", "Other Liabilities": "8.12", "Deposits": "-24.5", "Debt": "3.93", "Expenses": "6.37", "Net Income": "2.87", "Labor and Related Expense": "1.03", "Operating Expenses": "2.93", "Selling and Marketing Expense": "0.999", "General and Administrative Expense": "1.21", "Other Revenues": "-4.29", "Revenues": "-4.29", "Other Net Income": "1.73", "Comprehensive Net Income": "2.83", "Economic Capital Ratio": "1.31" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001531031_strength_weakness.svg", "table_records": { "2017": { "input_variables": { "Cash and Cash Equivalents": "43,077", "Debt": "0", "Deposits": "448,494", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "344,714", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "145,838", "Other Compr. Net Income": "-284", "Other Expenses": "3,390", "Other Liabilities": "1,752", "Other Net Income": "7,034", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "533,629", "Liabilities": "450,246", "Expenses": "3,390", "Revenues": "0", "Stockholders Equity": "83,383", "Net Income": "3,644", "Comprehensive Net Income": "3,360", "BaseVar": "497,292", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "16%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "30,562", "Debt": "0", "Deposits": "568,421", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "13,039", "Loans": "462,472", "Notes Receivable": "0", "Occupancy": "1,736", "Operating Expenses": "0", "Other Assets": "170,865", "Other Compr. Net Income": "-1,224", "Other Expenses": "7,597", "Other Liabilities": "2,704", "Other Net Income": "26,364", "Other Revenues": "0", "Professional Fees": "2,589", "Securities": "0", "Selling and Marketing Expense": "524" }, "output_variables": { "Assets": "663,899", "Liabilities": "571,125", "Expenses": "25,485", "Revenues": "0", "Stockholders Equity": "92,774", "Net Income": "879", "Comprehensive Net Income": "-345", "BaseVar": "644,048", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "61,806", "Debt": "0", "Deposits": "680,620", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "14,677", "Loans": "558,380", "Notes Receivable": "0", "Occupancy": "1,913", "Operating Expenses": "0", "Other Assets": "177,822", "Other Compr. Net Income": "3,000", "Other Expenses": "9,702", "Other Liabilities": "6,326", "Other Net Income": "32,261", "Other Revenues": "0", "Professional Fees": "2,919", "Securities": "0", "Selling and Marketing Expense": "718" }, "output_variables": { "Assets": "798,008", "Liabilities": "686,946", "Expenses": "29,929", "Revenues": "0", "Stockholders Equity": "111,062", "Net Income": "2,332", "Comprehensive Net Income": "5,332", "BaseVar": "775,072", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "65,185", "Debt": "0", "Deposits": "804,054", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "16,873", "Loans": "661,019", "Notes Receivable": "0", "Occupancy": "2,422", "Operating Expenses": "0", "Other Assets": "158,784", "Other Compr. Net Income": "1,022", "Other Expenses": "10,111", "Other Liabilities": "6,584", "Other Net Income": "31,190", "Other Revenues": "0", "Professional Fees": "3,229", "Securities": "51,726", "Selling and Marketing Expense": "584" }, "output_variables": { "Assets": "936,714", "Liabilities": "810,638", "Expenses": "33,219", "Revenues": "0", "Stockholders Equity": "126,076", "Net Income": "-2,029", "Comprehensive Net Income": "-1,007", "BaseVar": "906,392", "ECR before LimitedLiability": "7.1%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "149,156", "Debt": "0", "Deposits": "1,028,409", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "21,741", "Loans": "775,441", "Notes Receivable": "0", "Occupancy": "2,808", "Operating Expenses": "0", "Other Assets": "203,902", "Other Compr. Net Income": "-2,258", "Other Expenses": "11,202", "Other Liabilities": "6,626", "Other Net Income": "36,748", "Other Revenues": "0", "Professional Fees": "2,922", "Securities": "50,271", "Selling and Marketing Expense": "1,174" }, "output_variables": { "Assets": "1,178,770", "Liabilities": "1,035,035", "Expenses": "39,847", "Revenues": "0", "Stockholders Equity": "143,735", "Net Income": "-3,099", "Comprehensive Net Income": "-5,357", "BaseVar": "1,146,329", "ECR before LimitedLiability": "6.0%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "164,122", "Debt": "0", "Deposits": "1,228,236", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "25,774", "Loans": "935,072", "Notes Receivable": "0", "Occupancy": "3,236", "Operating Expenses": "0", "Other Assets": "246,878", "Other Compr. Net Income": "-14,267", "Other Expenses": "18,415", "Other Liabilities": "9,245", "Other Net Income": "55,856", "Other Revenues": "0", "Professional Fees": "3,376", "Securities": "49,567", "Selling and Marketing Expense": "1,462" }, "output_variables": { "Assets": "1,395,639", "Liabilities": "1,237,481", "Expenses": "52,263", "Revenues": "0", "Stockholders Equity": "158,158", "Net Income": "3,593", "Comprehensive Net Income": "-10,674", "BaseVar": "1,377,753", "ECR before LimitedLiability": "5.2%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "165,209", "Debt": "0", "Deposits": "1,407,299", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,451,667", "Other Compr. Net Income": "1,882", "Other Expenses": "14,871", "Other Liabilities": "11,022", "Other Net Income": "55,882", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,616,876", "Liabilities": "1,418,321", "Expenses": "14,871", "Revenues": "0", "Stockholders Equity": "198,555", "Net Income": "41,011", "Comprehensive Net Income": "42,893", "BaseVar": "1,553,916", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "16%" } } }, "top_rated": true, "trend": 43.0, "value": 0.1633146292981731, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001531031.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001531031.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001531031.svg" }, { "company_id": "0001569994", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001569994.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001569994.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001569994.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001569994_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001569994_main_keyfigs.svg", "name": "Waterstone Financial Inc", "rank": 20, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001569994.svg", "report_text": "The relative strengths and weaknesses of Waterstone Financial Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Waterstone Financial Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.8% points.The greatest weakness of Waterstone Financial Inc is the variable Debt, reducing the Economic Capital Ratio by 8.4% points.

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_savings/2023/report/0001569994_2024_Waterstone_Financial_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.26", "Assets": "3.06", "Stockholders Equity": "3.42", "ECR before LimitedLiability": "4.07", "Notes Receivable": "-1.12", "Loans": "6.89", "Expenses": "3.88", "Net Income": "1.17", "Selling and Marketing Expense": "0.846", "General and Administrative Expense": "0.936", "Labor and Related Expense": "0.502", "Other Expenses": "-1.41", "Operating Expenses": "2.52", "Other Revenues": "-3.44", "Revenues": "-3.44", "Deposits": "-1.83", "Debt": "-6.68", "Other Liabilities": "7.68", "Comprehensive Net Income": "1.20", "Other Net Income": "0.805", "Economic Capital Ratio": "2.80" }, "2017": { "Notes Receivable": "-1.06", "Assets": "2.44", "Debt": "-7.16", "Stockholders Equity": "3.15", "ECR before LimitedLiability": "3.96", "Securities": "-0.451", "Cash and Cash Equivalents": "-1.26", "Other Assets": "-1.41", "Loans": "8.33", "Expenses": "2.65", "Revenues": "-2.60", "Net Income": "1.03", "Other Expenses": "-0.718", "Operating Expenses": "1.70", "Labor and Related Expense": "0.498", "Other Revenues": "-2.60", "Other Liabilities": "8.02", "Deposits": "-1.33", "Comprehensive Net Income": "1.05", "Other Net Income": "1.01", "Economic Capital Ratio": "3.25" }, "2018": { "Other Assets": "-1.18", "Assets": "2.02", "Other Liabilities": "7.62", "Stockholders Equity": "2.00", "ECR before LimitedLiability": "2.46", "Notes Receivable": "-0.943", "Securities": "-0.376", "Cash and Cash Equivalents": "-1.01", "Loans": "6.74", "Expenses": "2.93", "Revenues": "-2.11", "Net Income": "0.920", "Labor and Related Expense": "0.444", "Other Expenses": "0.442", "Selling and Marketing Expense": "0.456", "Operating Expenses": "1.06", "Other Revenues": "-2.11", "Deposits": "-0.686", "Debt": "-8.11", "Comprehensive Net Income": "0.931", "Economic Capital Ratio": "2.19" }, "2019": { "Assets": "1.93", "Stockholders Equity": "2.01", "Other Liabilities": "7.53", "ECR before LimitedLiability": "2.49", "Cash and Cash Equivalents": "-1.11", "Notes Receivable": "-1.78", "Loans": "6.53", "Securities": "-0.373", "General and Administrative Expense": "0.315", "Expenses": "2.47", "Revenues": "-2.14", "Net Income": "0.804", "Operating Expenses": "0.527", "Selling and Marketing Expense": "0.599", "Labor and Related Expense": "0.498", "Other Revenues": "-2.14", "Debt": "-7.20", "Deposits": "-1.11", "Comprehensive Net Income": "0.850", "Other Net Income": "0.545", "Economic Capital Ratio": "2.30" }, "2020": { "Notes Receivable": "-4.17", "Assets": "1.26", "Liabilities": "-0.536", "Stockholders Equity": "0.976", "ECR before LimitedLiability": "2.39", "Other Assets": "0.650", "Loans": "8.99", "Cash and Cash Equivalents": "-1.63", "Other Liabilities": "8.47", "Deposits": "-2.44", "Debt": "-7.72", "Expenses": "2.69", "Revenues": "-2.84", "Net Income": "2.04", "Selling and Marketing Expense": "0.539", "Operating Expenses": "0.954", "Labor and Related Expense": "0.682", "Other Revenues": "-2.84", "Comprehensive Net Income": "2.12", "Other Net Income": "2.21", "Economic Capital Ratio": "2.05" }, "2021": { "Assets": "1.80", "Liabilities": "-0.672", "Stockholders Equity": "1.44", "ECR before LimitedLiability": "1.30", "Loans": "7.24", "Other Assets": "3.67", "Notes Receivable": "-4.95", "Cash and Cash Equivalents": "-1.88", "Other Liabilities": "7.39", "Deposits": "-2.17", "Debt": "-6.71", "Expenses": "2.98", "Revenues": "-3.32", "Net Income": "0.982", "Operating Expenses": "0.853", "Labor and Related Expense": "0.841", "General and Administrative Expense": "0.560", "Other Revenues": "-3.32", "Comprehensive Net Income": "0.987", "Other Net Income": "1.37", "Economic Capital Ratio": "0.866" }, "2022": { "Loans": "-8.77", "Assets": "2.85", "Liabilities": "-1.43", "Stockholders Equity": "1.63", "ECR before LimitedLiability": "1.51", "Other Assets": "-2.14", "Cash and Cash Equivalents": "-1.13", "Notes Receivable": "14.2", "Deposits": "-5.22", "Other Liabilities": "8.38", "Debt": "-4.50", "Labor and Related Expense": "1.01", "Expenses": "4.17", "Revenues": "-2.84", "Net Income": "0.398", "General and Administrative Expense": "0.589", "Selling and Marketing Expense": "0.627", "Operating Expenses": "1.21", "Other Revenues": "-2.84", "Other Net Income": "-0.486", "Economic Capital Ratio": "1.04" }, "2023": { "Assets": "3.90", "Liabilities": "-2.80", "Stockholders Equity": "1.16", "ECR before LimitedLiability": "2.93", "Notes Receivable": "8.85", "Loans": "-1.74", "Other Assets": "-3.09", "Cash and Cash Equivalents": "-1.59", "Other Liabilities": "7.72", "Deposits": "-4.30", "Debt": "-8.35", "Expenses": "7.17", "Revenues": "-4.23", "Net Income": "1.13", "Labor and Related Expense": "1.02", "Operating Expenses": "2.90", "Selling and Marketing Expense": "0.990", "General and Administrative Expense": "1.20", "Other Revenues": "-4.23", "Comprehensive Net Income": "1.07", "Economic Capital Ratio": "1.03" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001569994_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "387,155", "Deposits": "949,411", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,161,855", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "628,764", "Other Compr. Net Income": "-960", "Other Expenses": "16,462", "Other Liabilities": "43,363", "Other Net Income": "41,994", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,790,619", "Liabilities": "1,379,929", "Expenses": "16,462", "Revenues": "0", "Stockholders Equity": "410,690", "Net Income": "25,532", "Comprehensive Net Income": "24,572", "BaseVar": "1,614,982", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "20%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "386,285", "Deposits": "967,380", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,277,737", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "528,664", "Other Compr. Net Income": "-99", "Other Expenses": "18,469", "Other Liabilities": "40,632", "Other Net Income": "44,433", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,806,401", "Liabilities": "1,394,297", "Expenses": "18,469", "Revenues": "0", "Stockholders Equity": "412,104", "Net Income": "25,964", "Comprehensive Net Income": "25,865", "BaseVar": "1,631,850", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "20%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "435,046", "Deposits": "1,038,495", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,365,899", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "549,482", "Other Compr. Net Income": "-1,884", "Other Expenses": "9,526", "Other Liabilities": "42,161", "Other Net Income": "40,280", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,915,381", "Liabilities": "1,515,702", "Expenses": "9,526", "Revenues": "0", "Stockholders Equity": "399,679", "Net Income": "30,754", "Comprehensive Net Income": "28,870", "BaseVar": "1,741,386", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "19%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "483,562", "Deposits": "1,067,776", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,375,644", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "620,703", "Other Compr. Net Income": "3,003", "Other Expenses": "11,671", "Other Liabilities": "51,323", "Other Net Income": "47,574", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,996,347", "Liabilities": "1,602,661", "Expenses": "11,671", "Revenues": "0", "Stockholders Equity": "393,686", "Net Income": "35,903", "Comprehensive Net Income": "38,906", "BaseVar": "1,830,628", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "19%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "508,074", "Deposits": "1,184,870", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,356,314", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "828,273", "Other Compr. Net Income": "1,684", "Other Expenses": "26,971", "Other Liabilities": "78,525", "Other Net Income": "108,116", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,184,587", "Liabilities": "1,771,469", "Expenses": "26,971", "Revenues": "0", "Stockholders Equity": "413,118", "Net Income": "81,145", "Comprehensive Net Income": "82,829", "BaseVar": "2,046,414", "ECR before LimitedLiability": "15%", "Economic Capital Ratio": "20%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "477,127", "Deposits": "1,233,386", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,190,007", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,025,851", "Other Compr. Net Income": "-3,461", "Other Expenses": "21,315", "Other Liabilities": "72,572", "Other Net Income": "92,106", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,215,858", "Liabilities": "1,783,085", "Expenses": "21,315", "Revenues": "0", "Stockholders Equity": "432,773", "Net Income": "70,791", "Comprehensive Net Income": "67,330", "BaseVar": "2,057,912", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "20%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "386,784", "Deposits": "1,199,012", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,492,421", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "539,251", "Other Compr. Net Income": "-18,341", "Other Expenses": "4,992", "Other Liabilities": "75,390", "Other Net Income": "24,479", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,031,672", "Liabilities": "1,661,186", "Expenses": "4,992", "Revenues": "0", "Stockholders Equity": "370,486", "Net Income": "19,487", "Comprehensive Net Income": "1,146", "BaseVar": "1,870,335", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "17%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "611,054", "Deposits": "1,190,624", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,645,666", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "567,723", "Other Compr. Net Income": "1,684", "Other Expenses": "1,657", "Other Liabilities": "67,655", "Other Net Income": "11,032", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,213,389", "Liabilities": "1,869,333", "Expenses": "1,657", "Revenues": "0", "Stockholders Equity": "344,056", "Net Income": "9,375", "Comprehensive Net Income": "11,059", "BaseVar": "2,048,548", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "16%" } } }, "top_rated": false, "trend": 6.0, "value": 0.1604642304969487, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001569994.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001569994.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001569994.svg" }, { "company_id": "0001409970", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001409970.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001409970.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001409970.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001409970_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001409970_main_keyfigs.svg", "name": "Lendingclub Corp", "rank": 21, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001409970.svg", "report_text": "The relative strengths and weaknesses of Lendingclub Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Lendingclub Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.3% points.The greatest weakness of Lendingclub Corp is the variable Deposits, reducing the Economic Capital Ratio by 22% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.46% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001409970_2024_Lendingclub_Corp.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "3.53", "Assets": "-0.966", "Liabilities": "2.00", "ECR before LimitedLiability": "-1.33", "Other Assets": "12.6", "Notes Receivable": "-1.51", "Loans": "-14.9", "Deposits": "10.3", "Other Liabilities": "-43.0", "Debt": "4.16", "Expenses": "-3.83", "Net Income": "-2.00", "Selling and Marketing Expense": "-2.11", "General and Administrative Expense": "-1.87", "Other Expenses": "5.94", "Operating Expenses": "-6.04", "Other Revenues": "3.53", "Revenues": "3.53", "Comprehensive Net Income": "-1.90", "Other Net Income": "-1.17", "Economic Capital Ratio": "-2.60" }, "2017": { "Notes Receivable": "-1.44", "Assets": "-2.42", "Liabilities": "4.78", "Stockholders Equity": "1.41", "Economic Capital Ratio": "-1.62", "Cash and Cash Equivalents": "4.12", "Other Assets": "12.9", "Loans": "-16.1", "Other Liabilities": "-40.0", "Debt": "3.63", "Deposits": "11.1", "Expenses": "-7.93", "Revenues": "6.53", "Net Income": "-2.68", "Selling and Marketing Expense": "-3.34", "Other Expenses": "6.60", "Operating Expenses": "-9.94", "General and Administrative Expense": "-2.77", "Other Revenues": "6.53", "Comprehensive Net Income": "-2.64", "Other Net Income": "-1.04" }, "2018": { "Other Assets": "13.0", "Assets": "-3.96", "Liabilities": "7.67", "Stockholders Equity": "1.78", "Economic Capital Ratio": "-0.718", "Notes Receivable": "-1.26", "Cash and Cash Equivalents": "5.85", "Loans": "-18.0", "Deposits": "12.5", "Other Liabilities": "-39.4", "Debt": "3.21", "Expenses": "-13.0", "Revenues": "8.68", "Net Income": "-2.93", "Other Expenses": "8.56", "Selling and Marketing Expense": "-4.79", "Operating Expenses": "-16.3", "General and Administrative Expense": "-4.33", "Other Revenues": "8.68", "Comprehensive Net Income": "-2.83", "Other Net Income": "-1.72" }, "2019": { "Other Assets": "15.7", "Assets": "-4.38", "Liabilities": "12.0", "Stockholders Equity": "5.09", "ECR before LimitedLiability": "4.75", "Cash and Cash Equivalents": "4.24", "Notes Receivable": "-2.22", "Loans": "-18.3", "Deposits": "15.8", "Debt": "4.64", "Other Liabilities": "-37.6", "General and Administrative Expense": "-6.23", "Expenses": "-21.2", "Revenues": "14.1", "Comprehensive Net Income": "-1.60", "Other Expenses": "13.1", "Operating Expenses": "-25.6", "Selling and Marketing Expense": "-7.07", "Other Revenues": "14.1", "Other Net Income": "-1.57", "Economic Capital Ratio": "4.56" }, "2020": { "Notes Receivable": "-5.17", "Assets": "-1.81", "Liabilities": "9.80", "Stockholders Equity": "9.56", "Economic Capital Ratio": "0.151", "Other Assets": "10.2", "Loans": "-13.6", "Cash and Cash Equivalents": "10.3", "Other Liabilities": "-24.8", "Deposits": "13.2", "Debt": "3.84", "Expenses": "-20.9", "Revenues": "9.81", "Net Income": "-9.52", "General and Administrative Expense": "-9.25", "Selling and Marketing Expense": "-2.82", "Operating Expenses": "-25.6", "Labor and Related Expense": "0.869", "Other Expenses": "10.8", "Other Revenues": "9.81", "Comprehensive Net Income": "-9.39", "Other Net Income": "-1.75" }, "2023": { "Assets": "3.64", "Liabilities": "-3.10", "Stockholders Equity": "0.578", "ECR before LimitedLiability": "2.37", "Notes Receivable": "2.56", "Loans": "-1.79", "Other Assets": "5.50", "Cash and Cash Equivalents": "-1.48", "Other Liabilities": "7.26", "Deposits": "-21.9", "Debt": "3.97", "Expenses": "7.02", "Revenues": "-4.29", "Net Income": "1.17", "Labor and Related Expense": "1.05", "Operating Expenses": "2.99", "Selling and Marketing Expense": "1.02", "General and Administrative Expense": "1.23", "Other Revenues": "-4.29", "Other Net Income": "-0.465", "Comprehensive Net Income": "1.11", "Economic Capital Ratio": "0.464" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001409970_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "693,412", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "207,172", "Interest Expense": "0", "Interest Payable": "43,574", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "651,009", "Other Assets": "4,869,219", "Other Compr. Net Income": "904", "Other Expenses": "-428,070", "Other Liabilities": "4,543,287", "Other Net Income": "0", "Other Revenues": "500,812", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "216,670" }, "output_variables": { "Assets": "5,562,631", "Liabilities": "4,586,861", "Expenses": "646,781", "Revenues": "500,812", "Stockholders Equity": "975,770", "Net Income": "-145,969", "Comprehensive Net Income": "-145,065", "BaseVar": "5,648,994", "ECR before LimitedLiability": "6.8%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "644,289", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "191,683", "Interest Expense": "0", "Interest Payable": "32,992", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "727,953", "Other Assets": "3,996,542", "Other Compr. Net Income": "762", "Other Expenses": "-420,916", "Other Liabilities": "3,680,082", "Other Net Income": "210", "Other Revenues": "574,540", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "229,865" }, "output_variables": { "Assets": "4,640,831", "Liabilities": "3,713,074", "Expenses": "728,585", "Revenues": "574,540", "Stockholders Equity": "927,757", "Net Income": "-153,835", "Comprehensive Net Income": "-153,073", "BaseVar": "4,829,001", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "644,058", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "228,641", "Interest Expense": "0", "Interest Payable": "19,241", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "822,922", "Other Assets": "3,175,469", "Other Compr. Net Income": "162", "Other Expenses": "-497,115", "Other Liabilities": "2,929,305", "Other Net Income": "-155", "Other Revenues": "694,812", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "268,517" }, "output_variables": { "Assets": "3,819,527", "Liabilities": "2,948,546", "Expenses": "822,965", "Revenues": "694,812", "Stockholders Equity": "870,981", "Net Income": "-128,308", "Comprehensive Net Income": "-128,146", "BaseVar": "4,143,084", "ECR before LimitedLiability": "9.1%", "Economic Capital Ratio": "16%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "487,122", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "238,292", "Interest Expense": "0", "Interest Payable": "9,260", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "789,498", "Other Assets": "2,495,219", "Other Compr. Net Income": "-722", "Other Expenses": "-517,916", "Other Liabilities": "2,072,894", "Other Net Income": "-55", "Other Revenues": "758,607", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "279,423" }, "output_variables": { "Assets": "2,982,341", "Liabilities": "2,082,154", "Expenses": "789,297", "Revenues": "758,607", "Stockholders Equity": "900,187", "Net Income": "-30,745", "Comprehensive Net Income": "-31,467", "BaseVar": "3,306,588", "ECR before LimitedLiability": "17%", "Economic Capital Ratio": "21%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "628,485", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "213,021", "Interest Expense": "0", "Interest Payable": "4,572", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "502,319", "Other Assets": "1,234,808", "Other Compr. Net Income": "2,049", "Other Expenses": "-292,155", "Other Liabilities": "1,134,550", "Other Net Income": "0", "Other Revenues": "314,702", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "79,055" }, "output_variables": { "Assets": "1,863,293", "Liabilities": "1,139,122", "Expenses": "502,240", "Revenues": "314,702", "Stockholders Equity": "724,171", "Net Income": "-187,538", "Comprehensive Net Income": "-185,489", "BaseVar": "1,910,703", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "18%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "41,644", "Debt": "0", "Deposits": "7,333,486", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "4,539,915", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "4,245,904", "Other Compr. Net Income": "7,312", "Other Expenses": "15,678", "Other Liabilities": "242,155", "Other Net Income": "54,617", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "8,827,463", "Liabilities": "7,575,641", "Expenses": "15,678", "Revenues": "0", "Stockholders Equity": "1,251,822", "Net Income": "38,939", "Comprehensive Net Income": "46,251", "BaseVar": "8,240,356", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": null, "value": 0.1548497601793217, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001409970.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001409970.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001409970.svg" }, { "company_id": "0001297341", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001297341.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001297341.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001297341.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001297341_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001297341_main_keyfigs.svg", "name": "Kentucky First Federal Bancorp", "rank": 22, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001297341.svg", "report_text": "The relative strengths and weaknesses of Kentucky First Federal Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Kentucky First Federal Bancorp compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Kentucky First Federal Bancorp is the variable Notes Receivable, reducing the Economic Capital Ratio by 12% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.31% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001297341_2024_Kentucky_First_Federal_Bancorp.pdf", "shrinked_graph_json": { "2016": { "Assets": "3.65", "Stockholders Equity": "3.63", "ECR before LimitedLiability": "3.51", "Securities": "-0.409", "Other Assets": "-6.18", "Notes Receivable": "-1.12", "Loans": "11.9", "Expenses": "4.48", "Net Income": "0.487", "Selling and Marketing Expense": "0.840", "General and Administrative Expense": "0.930", "Labor and Related Expense": "0.498", "Other Expenses": "-0.872", "Operating Expenses": "2.52", "Other Revenues": "-3.37", "Revenues": "-3.37", "Deposits": "-8.12", "Debt": "3.24", "Other Liabilities": "3.31", "Comprehensive Net Income": "0.556", "Economic Capital Ratio": "2.25" }, "2017": { "Notes Receivable": "-1.07", "Assets": "2.92", "Liabilities": "-0.332", "Stockholders Equity": "2.88", "ECR before LimitedLiability": "2.67", "Securities": "-0.459", "Other Assets": "-6.30", "Loans": "11.2", "Other Liabilities": "0.761", "Debt": "2.82", "Deposits": "-4.10", "Expenses": "3.39", "Revenues": "-2.55", "Comprehensive Net Income": "0.202", "Selling and Marketing Expense": "0.444", "Operating Expenses": "1.72", "Labor and Related Expense": "0.499", "General and Administrative Expense": "0.403", "Other Revenues": "-2.55", "Other Net Income": "-0.465", "Economic Capital Ratio": "1.96" }, "2019": { "Other Assets": "-5.64", "Assets": "2.66", "Liabilities": "-0.590", "Stockholders Equity": "2.32", "ECR before LimitedLiability": "1.35", "Notes Receivable": "-1.80", "Loans": "10.7", "Securities": "-0.383", "Deposits": "-3.99", "Debt": "3.73", "Other Liabilities": "-0.403", "Expenses": "2.97", "Revenues": "-2.12", "Comprehensive Net Income": "-0.407", "Other Expenses": "0.570", "Operating Expenses": "0.533", "Selling and Marketing Expense": "0.605", "Labor and Related Expense": "0.503", "Other Revenues": "-2.12", "Other Net Income": "-0.992", "Economic Capital Ratio": "1.16" }, "2020": { "Notes Receivable": "-5.11", "Assets": "1.73", "Liabilities": "-1.80", "ECR before LimitedLiability": "-4.87", "Other Assets": "-9.25", "Loans": "11.5", "Other Liabilities": "3.00", "Deposits": "-7.82", "Debt": "3.67", "Expenses": "4.17", "Net Income": "-4.02", "General and Administrative Expense": "0.534", "Selling and Marketing Expense": "0.687", "Operating Expenses": "1.23", "Labor and Related Expense": "0.872", "Other Expenses": "0.642", "Other Revenues": "-3.27", "Revenues": "-3.27", "Comprehensive Net Income": "-3.99", "Other Net Income": "-4.72", "Economic Capital Ratio": "-5.21" }, "2021": { "Assets": "2.20", "Liabilities": "-2.46", "ECR before LimitedLiability": "-2.25", "Loans": "14.6", "Other Assets": "-8.65", "Notes Receivable": "-5.12", "Other Liabilities": "1.45", "Deposits": "-7.26", "Debt": "3.19", "Selling and Marketing Expense": "0.594", "Expenses": "4.11", "Net Income": "-1.00", "Other Expenses": "0.390", "Operating Expenses": "0.920", "Labor and Related Expense": "0.907", "General and Administrative Expense": "0.602", "Other Revenues": "-3.33", "Revenues": "-3.33", "Comprehensive Net Income": "-0.881", "Other Net Income": "-1.25", "Economic Capital Ratio": "-2.69" }, "2022": { "Loans": "14.6", "Assets": "2.76", "Liabilities": "-2.28", "Stockholders Equity": "0.658", "ECR before LimitedLiability": "0.835", "Other Assets": "-7.27", "Cash and Cash Equivalents": "1.67", "Notes Receivable": "-7.25", "Deposits": "-12.5", "Other Liabilities": "5.29", "Debt": "3.77", "Labor and Related Expense": "1.03", "Expenses": "4.36", "Revenues": "-2.86", "Comprehensive Net Income": "0.645", "General and Administrative Expense": "0.600", "Selling and Marketing Expense": "0.638", "Operating Expenses": "1.24", "Other Revenues": "-2.86", "Other Compr. Net Income": "0.614", "Other Net Income": "-0.932", "Economic Capital Ratio": "0.365" }, "2023": { "Assets": "3.84", "Liabilities": "-3.09", "Stockholders Equity": "0.745", "ECR before LimitedLiability": "2.22", "Notes Receivable": "-12.5", "Loans": "-1.80", "Other Assets": "15.0", "Cash and Cash Equivalents": "-0.857", "Other Liabilities": "2.08", "Deposits": "-9.40", "Debt": "3.99", "Expenses": "6.88", "Revenues": "-4.30", "Net Income": "1.03", "Labor and Related Expense": "1.05", "Operating Expenses": "3.00", "Selling and Marketing Expense": "1.02", "General and Administrative Expense": "1.24", "Other Revenues": "-4.30", "Other Net Income": "-0.674", "Comprehensive Net Income": "0.803", "Economic Capital Ratio": "0.312" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001297341_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "13,108", "Debt": "0", "Deposits": "188,572", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "22", "Labor and Related Expense": "0", "Loans": "238,468", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "40,295", "Other Compr. Net Income": "-7.0", "Other Expenses": "596", "Other Liabilities": "35,762", "Other Net Income": "2,097", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "291,871", "Liabilities": "224,356", "Expenses": "596", "Revenues": "0", "Stockholders Equity": "67,515", "Net Income": "1,501", "Comprehensive Net Income": "1,494", "BaseVar": "259,464", "ECR before LimitedLiability": "14%", "Economic Capital Ratio": "19%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "12,804", "Debt": "0", "Deposits": "182,845", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "21", "Labor and Related Expense": "0", "Loans": "258,244", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "37,437", "Other Compr. Net Income": "-30", "Other Expenses": "513", "Other Liabilities": "58,473", "Other Net Income": "1,448", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "308,485", "Liabilities": "241,339", "Expenses": "513", "Revenues": "0", "Stockholders Equity": "67,146", "Net Income": "935", "Comprehensive Net Income": "905", "BaseVar": "275,908", "ECR before LimitedLiability": "13%", "Economic Capital Ratio": "19%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "9,861", "Debt": "0", "Deposits": "195,836", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "28", "Labor and Related Expense": "0", "Loans": "280,969", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "39,941", "Other Compr. Net Income": "4.0", "Other Expenses": "141", "Other Liabilities": "68,629", "Other Net Income": "953", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "330,771", "Liabilities": "264,493", "Expenses": "141", "Revenues": "0", "Stockholders Equity": "66,278", "Net Income": "812", "Comprehensive Net Income": "816", "BaseVar": "298,181", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "18%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "13,702", "Debt": "0", "Deposits": "212,273", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "27", "Labor and Related Expense": "0", "Loans": "285,887", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "21,547", "Other Compr. Net Income": "-2.0", "Other Expenses": "264", "Other Liabilities": "56,925", "Other Net Income": "-12,283", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "321,136", "Liabilities": "269,225", "Expenses": "264", "Revenues": "0", "Stockholders Equity": "51,911", "Net Income": "-12,547", "Comprehensive Net Income": "-12,549", "BaseVar": "301,455", "ECR before LimitedLiability": "4.5%", "Economic Capital Ratio": "13%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "21,648", "Debt": "0", "Deposits": "226,843", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "20", "Labor and Related Expense": "0", "Loans": "297,902", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "18,513", "Other Compr. Net Income": "-2.0", "Other Expenses": "352", "Other Liabilities": "58,904", "Other Net Income": "2,172", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "338,063", "Liabilities": "285,767", "Expenses": "352", "Revenues": "0", "Stockholders Equity": "52,296", "Net Income": "1,820", "Comprehensive Net Income": "1,818", "BaseVar": "313,178", "ECR before LimitedLiability": "9.0%", "Economic Capital Ratio": "16%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "25,823", "Debt": "0", "Deposits": "239,857", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "12", "Labor and Related Expense": "0", "Loans": "274,583", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "27,674", "Other Compr. Net Income": "0", "Other Expenses": "477", "Other Liabilities": "36,186", "Other Net Income": "2,067", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "328,080", "Liabilities": "276,055", "Expenses": "477", "Revenues": "0", "Stockholders Equity": "52,025", "Net Income": "1,590", "Comprehensive Net Income": "1,590", "BaseVar": "303,340", "ECR before LimitedLiability": "9.1%", "Economic Capital Ratio": "16%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "8,167", "Debt": "0", "Deposits": "226,309", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "70", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "340,855", "Other Compr. Net Income": "-427", "Other Expenses": "294", "Other Liabilities": "71,932", "Other Net Income": "1,227", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "349,022", "Liabilities": "298,311", "Expenses": "294", "Revenues": "0", "Stockholders Equity": "50,711", "Net Income": "933", "Comprehensive Net Income": "506", "BaseVar": "324,640", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": 9.0, "value": 0.15333645419050984, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001297341.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001297341.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001297341.svg" }, { "company_id": "0001778784", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001778784.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001778784.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001778784.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001778784_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001778784_main_keyfigs.svg", "name": "Provident Bancorp Inc MD", "rank": 23, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001778784.svg", "report_text": "The relative strengths and weaknesses of Provident Bancorp Inc MD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Provident Bancorp Inc MD compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 9.3% points.The greatest weakness of Provident Bancorp Inc MD is the variable Deposits, reducing the Economic Capital Ratio by 19% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.22% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001778784_2024_Provident_Bancorp_Inc_MD.pdf", "shrinked_graph_json": { "2019": { "Other Assets": "-5.20", "Assets": "1.55", "Liabilities": "0.636", "Stockholders Equity": "2.33", "ECR before LimitedLiability": "1.95", "Cash and Cash Equivalents": "-1.15", "Notes Receivable": "-1.83", "Loans": "10.8", "Securities": "-0.386", "Deposits": "-12.7", "Debt": "2.84", "Other Liabilities": "8.37", "General and Administrative Expense": "0.323", "Expenses": "0.834", "Operating Expenses": "0.542", "Selling and Marketing Expense": "0.590", "Labor and Related Expense": "-0.700", "Other Revenues": "-2.14", "Revenues": "-2.14", "Economic Capital Ratio": "1.76", "Other Net Income": "1.32" }, "2020": { "Notes Receivable": "-4.32", "Assets": "1.76", "Liabilities": "-2.17", "Expenses": "3.78", "Revenues": "-2.83", "ECR before LimitedLiability": "-1.14", "Other Assets": "-6.71", "Loans": "13.6", "Cash and Cash Equivalents": "-1.77", "Securities": "-0.318", "Other Liabilities": "8.00", "Deposits": "-18.4", "Debt": "2.77", "General and Administrative Expense": "0.445", "Selling and Marketing Expense": "0.572", "Operating Expenses": "1.02", "Labor and Related Expense": "0.725", "Other Expenses": "0.358", "Other Revenues": "-2.83", "Economic Capital Ratio": "-1.48", "Other Net Income": "-0.624" }, "2021": { "Assets": "1.65", "Liabilities": "-2.77", "Stockholders Equity": "-0.886", "ECR before LimitedLiability": "-2.79", "Loans": "12.9", "Other Assets": "-5.76", "Notes Receivable": "-5.23", "Cash and Cash Equivalents": "-2.10", "Other Liabilities": "7.13", "Deposits": "-17.0", "Debt": "2.91", "Expenses": "4.01", "Revenues": "-3.39", "Net Income": "-0.734", "Operating Expenses": "0.947", "Labor and Related Expense": "0.933", "General and Administrative Expense": "0.618", "Other Revenues": "-3.39", "Comprehensive Net Income": "-0.626", "Other Net Income": "-0.808", "Economic Capital Ratio": "-3.23" }, "2023": { "Assets": "3.41", "Liabilities": "-3.27", "ECR before LimitedLiability": "2.12", "Notes Receivable": "9.27", "Loans": "-1.82", "Other Assets": "-4.68", "Cash and Cash Equivalents": "-1.66", "Other Liabilities": "7.20", "Deposits": "-18.6", "Debt": "1.17", "Interest Expense": "0.271", "Expenses": "6.78", "Revenues": "-4.32", "Net Income": "1.36", "Labor and Related Expense": "1.06", "Other Expenses": "-0.298", "Operating Expenses": "3.03", "Selling and Marketing Expense": "1.03", "General and Administrative Expense": "1.25", "Other Revenues": "-4.32", "Comprehensive Net Income": "1.27", "Economic Capital Ratio": "0.218" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001778784_strength_weakness.svg", "table_records": { "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "24,998", "Deposits": "849,905", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "18,243", "Loans": "959,286", "Notes Receivable": "0", "Occupancy": "1,968", "Operating Expenses": "0", "Other Assets": "162,502", "Other Compr. Net Income": "713", "Other Expenses": "9,561", "Other Liabilities": "15,952", "Other Net Income": "38,241", "Other Revenues": "699", "Professional Fees": "1,210", "Securities": "0", "Selling and Marketing Expense": "385" }, "output_variables": { "Assets": "1,121,788", "Liabilities": "890,855", "Expenses": "31,367", "Revenues": "699", "Stockholders Equity": "230,933", "Net Income": "7,573", "Comprehensive Net Income": "8,286", "BaseVar": "1,041,832", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "18%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "13,500", "Deposits": "1,237,428", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,314,810", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "190,971", "Other Compr. Net Income": "600", "Other Expenses": "4,625", "Other Liabilities": "18,997", "Other Net Income": "16,610", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,505,781", "Liabilities": "1,269,925", "Expenses": "4,625", "Revenues": "0", "Stockholders Equity": "235,856", "Net Income": "11,985", "Comprehensive Net Income": "12,585", "BaseVar": "1,398,770", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "16%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "13,500", "Deposits": "1,459,895", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,433,803", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "295,480", "Other Compr. Net Income": "-409", "Other Expenses": "5,954", "Other Liabilities": "22,106", "Other Net Income": "22,093", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,729,283", "Liabilities": "1,495,501", "Expenses": "5,954", "Revenues": "0", "Stockholders Equity": "233,782", "Net Income": "16,139", "Comprehensive Net Income": "15,730", "BaseVar": "1,626,620", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "16%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "104,697", "Deposits": "1,331,222", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,321,158", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "349,151", "Other Compr. Net Income": "704", "Other Expenses": "3,823", "Other Liabilities": "12,488", "Other Net Income": "14,777", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,670,309", "Liabilities": "1,448,407", "Expenses": "3,823", "Revenues": "0", "Stockholders Equity": "221,902", "Net Income": "10,954", "Comprehensive Net Income": "11,658", "BaseVar": "1,569,010", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": null, "value": 0.15239291592264337, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001778784.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001778784.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001778784.svg" }, { "company_id": "0001680379", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001680379.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001680379.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001680379.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001680379_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001680379_main_keyfigs.svg", "name": "Sterling Bancorp Inc", "rank": 24, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001680379.svg", "report_text": "The relative strengths and weaknesses of Sterling Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Sterling Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.0% points.The greatest weakness of Sterling Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 21% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.17% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001680379_2024_Sterling_Bancorp_Inc.pdf", "shrinked_graph_json": { "2018": { "Other Assets": "-8.67", "Assets": "-0.515", "Liabilities": "-2.04", "Stockholders Equity": "-2.38", "ECR before LimitedLiability": "-1.57", "Notes Receivable": "-1.14", "Securities": "1.30", "Cash and Cash Equivalents": "-1.22", "Loans": "8.65", "Deposits": "-8.63", "Other Liabilities": "3.86", "Debt": "2.81", "Expenses": "1.91", "Revenues": "-2.31", "Net Income": "1.23", "Selling and Marketing Expense": "0.490", "Operating Expenses": "1.25", "Other Revenues": "-2.31", "Comprehensive Net Income": "1.33", "Other Net Income": "1.86", "Economic Capital Ratio": "-1.84" }, "2019": { "Other Assets": "-7.99", "Assets": "0.591", "Liabilities": "-2.67", "Expenses": "3.14", "Revenues": "-2.39", "Stockholders Equity": "-1.88", "ECR before LimitedLiability": "-2.30", "Cash and Cash Equivalents": "-1.37", "Notes Receivable": "-2.15", "Loans": "8.80", "Securities": "1.41", "Deposits": "-10.5", "Debt": "4.26", "Other Liabilities": "3.74", "General and Administrative Expense": "0.370", "Other Expenses": "0.298", "Operating Expenses": "0.623", "Selling and Marketing Expense": "0.708", "Labor and Related Expense": "0.588", "Other Revenues": "-2.39", "Economic Capital Ratio": "-2.49" }, "2020": { "Other Liabilities": "3.69", "Liabilities": "-3.91", "Stockholders Equity": "-3.59", "Deposits": "-12.9", "Debt": "3.60", "Professional Fees": "-0.685", "Expenses": "3.20", "Revenues": "-3.31", "Net Income": "-1.17", "Selling and Marketing Expense": "0.690", "Operating Expenses": "1.25", "Other Expenses": "0.840", "Other Revenues": "-3.31", "Comprehensive Net Income": "-1.14", "ECR before LimitedLiability": "-5.44", "Notes Receivable": "-5.23", "Other Assets": "-2.83", "Loans": "4.69", "Cash and Cash Equivalents": "-2.24", "Securities": "3.27", "Economic Capital Ratio": "-5.78" }, "2021": { "Other Liabilities": "5.73", "Liabilities": "-2.30", "Stockholders Equity": "-1.72", "ECR before LimitedLiability": "-3.58", "Deposits": "-11.7", "Debt": "3.45", "Selling and Marketing Expense": "0.649", "Expenses": "1.97", "Net Income": "-0.896", "Operating Expenses": "1.01", "General and Administrative Expense": "0.658", "Other Revenues": "-3.51", "Revenues": "-3.51", "Securities": "4.38", "Loans": "8.39", "Other Assets": "-5.12", "Notes Receivable": "-5.51", "Cash and Cash Equivalents": "-2.24", "Comprehensive Net Income": "-0.798", "Other Net Income": "0.987", "Economic Capital Ratio": "-4.02" }, "2022": { "Loans": "8.60", "Assets": "2.34", "Liabilities": "-3.07", "ECR before LimitedLiability": "-2.00", "Other Assets": "-4.86", "Cash and Cash Equivalents": "-1.35", "Securities": "4.93", "Notes Receivable": "-7.89", "Deposits": "-15.3", "Other Liabilities": "5.03", "Debt": "4.19", "Labor and Related Expense": "1.18", "Expenses": "4.87", "Net Income": "-0.877", "Selling and Marketing Expense": "0.728", "Operating Expenses": "1.42", "Other Revenues": "-3.16", "Revenues": "-3.16", "Comprehensive Net Income": "-0.848", "Other Net Income": "-1.82", "Economic Capital Ratio": "-2.47" }, "2023": { "Assets": "3.58", "Liabilities": "-3.28", "Stockholders Equity": "0.320", "ECR before LimitedLiability": "2.07", "Notes Receivable": "4.04", "Loans": "-1.82", "Other Assets": "4.13", "Cash and Cash Equivalents": "-1.66", "Other Liabilities": "6.96", "Deposits": "-21.4", "Debt": "4.01", "Expenses": "6.74", "Revenues": "-4.32", "Net Income": "1.07", "Labor and Related Expense": "1.06", "Operating Expenses": "3.03", "Selling and Marketing Expense": "1.03", "General and Administrative Expense": "1.25", "Other Revenues": "-4.32", "Other Net Income": "-0.613", "Comprehensive Net Income": "1.09", "Economic Capital Ratio": "0.168" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001680379_strength_weakness.svg", "table_records": { "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,452,685", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "28,438", "Loans": "2,895,953", "Notes Receivable": "0", "Occupancy": "7,250", "Operating Expenses": "0", "Other Assets": "151,925", "Other Compr. Net Income": "113", "Other Expenses": "35,081", "Other Liabilities": "409,032", "Other Net Income": "135,388", "Other Revenues": "1,193", "Professional Fees": "3,118", "Securities": "148,896", "Selling and Marketing Expense": "1,640" }, "output_variables": { "Assets": "3,196,774", "Liabilities": "2,861,717", "Expenses": "75,527", "Revenues": "1,193", "Stockholders Equity": "335,057", "Net Income": "61,054", "Comprehensive Net Income": "61,167", "BaseVar": "3,135,356", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,495,440", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "2,891,530", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "200,810", "Other Compr. Net Income": "205", "Other Expenses": "15,643", "Other Liabilities": "416,830", "Other Net Income": "44,891", "Other Revenues": "0", "Professional Fees": "0", "Securities": "152,544", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,244,884", "Liabilities": "2,912,270", "Expenses": "15,643", "Revenues": "0", "Stockholders Equity": "332,614", "Net Income": "29,248", "Comprehensive Net Income": "29,453", "BaseVar": "3,108,946", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "3,098,966", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "30,655", "Loans": "2,434,356", "Notes Receivable": "0", "Occupancy": "8,788", "Operating Expenses": "0", "Other Assets": "1,174,731", "Other Compr. Net Income": "191", "Other Expenses": "-4,415", "Other Liabilities": "495,488", "Other Net Income": "52,526", "Other Revenues": "1,160", "Professional Fees": "32,646", "Securities": "304,958", "Selling and Marketing Expense": "529" }, "output_variables": { "Assets": "3,914,045", "Liabilities": "3,594,454", "Expenses": "68,203", "Revenues": "1,160", "Stockholders Equity": "319,591", "Net Income": "-14,517", "Comprehensive Net Income": "-14,326", "BaseVar": "3,815,290", "ECR before LimitedLiability": "3.9%", "Economic Capital Ratio": "12%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,261,735", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "28,220", "Loans": "1,956,266", "Notes Receivable": "0", "Occupancy": "9,108", "Operating Expenses": "0", "Other Assets": "606,685", "Other Compr. Net Income": "-1,284", "Other Expenses": "19,824", "Other Liabilities": "271,468", "Other Net Income": "103,456", "Other Revenues": "1,795", "Professional Fees": "24,709", "Securities": "313,879", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,876,830", "Liabilities": "2,533,203", "Expenses": "81,861", "Revenues": "1,795", "Stockholders Equity": "343,627", "Net Income": "23,390", "Comprehensive Net Income": "22,106", "BaseVar": "2,799,214", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,954,037", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,613,385", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "483,150", "Other Compr. Net Income": "-18,628", "Other Expenses": "6,629", "Other Liabilities": "178,071", "Other Net Income": "-7,565", "Other Revenues": "0", "Professional Fees": "0", "Securities": "348,200", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,444,735", "Liabilities": "2,132,108", "Expenses": "6,629", "Revenues": "0", "Stockholders Equity": "312,627", "Net Income": "-14,194", "Comprehensive Net Income": "-32,822", "BaseVar": "2,304,832", "ECR before LimitedLiability": "5.4%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,003,986", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,319,568", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,096,435", "Other Compr. Net Income": "4,301", "Other Expenses": "3,149", "Other Liabilities": "84,294", "Other Net Income": "10,562", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,416,003", "Liabilities": "2,088,280", "Expenses": "3,149", "Revenues": "0", "Stockholders Equity": "327,723", "Net Income": "7,413", "Comprehensive Net Income": "11,714", "BaseVar": "2,261,148", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": 34.0, "value": 0.1518961955659253, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001680379.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001680379.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001680379.svg" }, { "company_id": "0001046050", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001046050.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001046050.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001046050.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001046050_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001046050_main_keyfigs.svg", "name": "Timberland Bancorp INC", "rank": 25, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001046050.svg", "report_text": "The relative strengths and weaknesses of Timberland Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Timberland Bancorp INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Timberland Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 22% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.16% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001046050_2024_Timberland_Bancorp_INC.pdf", "shrinked_graph_json": { "2020": { "Other Liabilities": "6.80", "Liabilities": "-2.25", "Stockholders Equity": "-1.86", "ECR before LimitedLiability": "-2.60", "Deposits": "-19.0", "Debt": "3.42", "Expenses": "2.10", "General and Administrative Expense": "0.485", "Selling and Marketing Expense": "0.624", "Operating Expenses": "1.03", "Other Expenses": "-0.321", "Interest Expense": "0.216", "Other Revenues": "-2.95", "Revenues": "-2.95", "Notes Receivable": "-4.66", "Other Assets": "11.4", "Loans": "-11.5", "Cash and Cash Equivalents": "6.44", "Securities": "-0.353", "Economic Capital Ratio": "-2.93", "Other Net Income": "1.16" }, "2021": { "Assets": "0.483", "Liabilities": "-2.55", "Stockholders Equity": "-1.85", "ECR before LimitedLiability": "-3.55", "Loans": "-10.3", "Other Assets": "8.16", "Notes Receivable": "-5.48", "Cash and Cash Equivalents": "7.30", "Other Liabilities": "6.52", "Deposits": "-17.6", "Debt": "3.43", "Selling and Marketing Expense": "0.645", "Expenses": "2.43", "Revenues": "-3.49", "Net Income": "-0.728", "Operating Expenses": "0.915", "General and Administrative Expense": "0.654", "Other Revenues": "-3.49", "Comprehensive Net Income": "-0.596", "Other Net Income": "0.709", "Economic Capital Ratio": "-3.99" }, "2022": { "Loans": "-9.27", "Assets": "1.02", "Liabilities": "-2.44", "Stockholders Equity": "-1.23", "ECR before LimitedLiability": "-0.736", "Other Assets": "12.5", "Cash and Cash Equivalents": "6.13", "Notes Receivable": "-7.71", "Deposits": "-20.4", "Other Liabilities": "6.56", "Debt": "4.10", "Expenses": "2.69", "Revenues": "-3.04", "Comprehensive Net Income": "0.889", "General and Administrative Expense": "0.659", "Selling and Marketing Expense": "0.701", "Operating Expenses": "1.27", "Other Revenues": "-3.04", "Other Compr. Net Income": "0.640", "Other Net Income": "0.967", "Economic Capital Ratio": "-1.21" }, "2023": { "Assets": "2.11", "Liabilities": "-2.48", "ECR before LimitedLiability": "2.06", "Notes Receivable": "-12.8", "Loans": "-1.87", "Other Assets": "14.3", "Cash and Cash Equivalents": "0.771", "Other Liabilities": "7.08", "Deposits": "-21.6", "Debt": "4.14", "Expenses": "5.35", "Net Income": "1.99", "Other Expenses": "-0.787", "Operating Expenses": "3.03", "Selling and Marketing Expense": "1.06", "General and Administrative Expense": "1.29", "Other Revenues": "-4.41", "Revenues": "-4.41", "Other Net Income": "1.99", "Other Compr. Net Income": "-0.436", "Comprehensive Net Income": "1.51", "Economic Capital Ratio": "0.160" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001046050_strength_weakness.svg", "table_records": { "2020": { "input_variables": { "Cash and Cash Equivalents": "314,452", "Debt": "0", "Deposits": "1,358,406", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "18,351", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,628", "Other Assets": "1,251,526", "Other Compr. Net Income": "11", "Other Expenses": "18,895", "Other Liabilities": "19,942", "Other Net Income": "53,531", "Other Revenues": "1,706", "Professional Fees": "1,107", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,565,978", "Liabilities": "1,378,348", "Expenses": "39,981", "Revenues": "1,706", "Stockholders Equity": "187,630", "Net Income": "15,256", "Comprehensive Net Income": "15,267", "BaseVar": "1,519,778", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "580,196", "Debt": "0", "Deposits": "1,570,555", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "18,750", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,831", "Other Assets": "1,211,984", "Other Compr. Net Income": "-2.0", "Other Expenses": "19,829", "Other Liabilities": "14,726", "Other Net Income": "58,469", "Other Revenues": "1,215", "Professional Fees": "1,006", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,792,180", "Liabilities": "1,585,281", "Expenses": "41,416", "Revenues": "1,215", "Stockholders Equity": "206,899", "Net Income": "18,268", "Comprehensive Net Income": "18,266", "BaseVar": "1,739,282", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "316,755", "Debt": "0", "Deposits": "1,632,176", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "20,816", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,943", "Other Assets": "1,543,753", "Other Compr. Net Income": "-776", "Other Expenses": "20,060", "Other Liabilities": "9,763", "Other Net Income": "57,806", "Other Revenues": "975", "Professional Fees": "1,747", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,860,508", "Liabilities": "1,641,939", "Expenses": "44,566", "Revenues": "975", "Stockholders Equity": "218,569", "Net Income": "14,215", "Comprehensive Net Income": "13,439", "BaseVar": "1,803,285", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "128,721", "Debt": "0", "Deposits": "1,560,935", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "23,562", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,987", "Other Assets": "1,711,184", "Other Compr. Net Income": "-7,243", "Other Expenses": "15,737", "Other Liabilities": "45,897", "Other Net Income": "67,272", "Other Revenues": "959", "Professional Fees": "2,078", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,839,905", "Liabilities": "1,606,832", "Expenses": "43,364", "Revenues": "959", "Stockholders Equity": "233,073", "Net Income": "24,867", "Comprehensive Net Income": "17,624", "BaseVar": "1,782,788", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": 12.0, "value": 0.15181322663895386, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001046050.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001046050.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001046050.svg" }, { "company_id": "0001493225", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001493225.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001493225.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001493225.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001493225_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001493225_main_keyfigs.svg", "name": "Northfield Bancorp Inc", "rank": 26, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001493225.svg", "report_text": "The relative strengths and weaknesses of Northfield Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Northfield Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.9% points.The greatest weakness of Northfield Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 11% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.085% points above the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001493225_2024_Northfield_Bancorp_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-0.569", "Assets": "2.45", "Liabilities": "-1.96", "Stockholders Equity": "0.689", "ECR before LimitedLiability": "0.672", "Other Assets": "-4.59", "Notes Receivable": "-1.24", "Loans": "8.80", "Deposits": "-9.26", "Other Liabilities": "3.28", "Debt": "3.49", "Expenses": "4.94", "Revenues": "-3.45", "Net Income": "0.640", "Selling and Marketing Expense": "0.914", "General and Administrative Expense": "1.01", "Other Expenses": "-1.03", "Operating Expenses": "2.80", "Other Revenues": "-3.45", "Comprehensive Net Income": "0.689", "Economic Capital Ratio": "-0.596" }, "2017": { "Notes Receivable": "-1.17", "Assets": "1.68", "Liabilities": "-1.46", "ECR before LimitedLiability": "0.488", "Securities": "-0.507", "Cash and Cash Equivalents": "-0.926", "Other Assets": "-4.39", "Loans": "8.50", "Other Liabilities": "3.79", "Debt": "3.00", "Deposits": "-8.59", "Expenses": "3.29", "Net Income": "0.436", "Selling and Marketing Expense": "0.479", "Other Expenses": "-0.473", "Operating Expenses": "1.87", "Labor and Related Expense": "0.537", "General and Administrative Expense": "0.433", "Other Revenues": "-2.66", "Revenues": "-2.66", "Comprehensive Net Income": "0.459", "Economic Capital Ratio": "-0.215" }, "2018": { "Other Assets": "-2.59", "Assets": "1.35", "Liabilities": "-1.88", "ECR before LimitedLiability": "-0.457", "Notes Receivable": "-1.05", "Securities": "-0.421", "Cash and Cash Equivalents": "-0.534", "Loans": "7.66", "Deposits": "-9.34", "Other Liabilities": "4.44", "Debt": "2.63", "Expenses": "3.53", "Revenues": "-2.19", "Comprehensive Net Income": "0.439", "Labor and Related Expense": "0.479", "Other Expenses": "0.708", "Selling and Marketing Expense": "0.493", "Operating Expenses": "1.16", "Other Revenues": "-2.19", "Other Net Income": "-0.576", "Economic Capital Ratio": "-0.727" }, "2019": { "Other Assets": "-1.10", "Assets": "0.719", "Liabilities": "-1.32", "Stockholders Equity": "-0.452", "ECR before LimitedLiability": "-0.658", "Cash and Cash Equivalents": "-0.279", "Notes Receivable": "-2.00", "Loans": "5.74", "Securities": "-0.431", "Deposits": "-6.21", "Debt": "4.07", "Other Liabilities": "0.904", "General and Administrative Expense": "0.349", "Expenses": "1.87", "Other Expenses": "0.252", "Operating Expenses": "0.586", "Selling and Marketing Expense": "0.612", "Other Revenues": "-2.10", "Revenues": "-2.10", "Economic Capital Ratio": "-0.848", "Other Net Income": "0.433" }, "2020": { "Notes Receivable": "14.3", "Assets": "0.879", "Liabilities": "-2.18", "Stockholders Equity": "-1.09", "ECR before LimitedLiability": "-1.99", "Other Assets": "-2.23", "Loans": "-11.3", "Cash and Cash Equivalents": "-1.35", "Securities": "-0.337", "Other Liabilities": "5.31", "Deposits": "-11.3", "Debt": "3.31", "Expenses": "2.76", "Revenues": "-2.82", "Net Income": "-0.215", "General and Administrative Expense": "0.468", "Selling and Marketing Expense": "0.571", "Operating Expenses": "1.07", "Other Expenses": "0.212", "Other Revenues": "-2.82", "Economic Capital Ratio": "-2.33" }, "2021": { "Assets": "0.906", "Liabilities": "-2.07", "Stockholders Equity": "-0.956", "ECR before LimitedLiability": "-2.60", "Loans": "-10.1", "Other Assets": "-2.58", "Notes Receivable": "14.0", "Cash and Cash Equivalents": "-1.59", "Other Liabilities": "5.35", "Deposits": "-11.4", "Debt": "3.31", "Selling and Marketing Expense": "0.583", "Expenses": "2.61", "Revenues": "-3.31", "Net Income": "-0.476", "Operating Expenses": "0.958", "General and Administrative Expense": "0.626", "Other Revenues": "-3.31", "Comprehensive Net Income": "-0.504", "Other Net Income": "0.552", "Economic Capital Ratio": "-3.04" }, "2022": { "Loans": "-9.29", "Assets": "1.20", "Liabilities": "-2.27", "Stockholders Equity": "-0.916", "ECR before LimitedLiability": "-0.832", "Other Assets": "-3.55", "Cash and Cash Equivalents": "-1.01", "Notes Receivable": "12.7", "Deposits": "-11.3", "Other Liabilities": "4.86", "Debt": "4.11", "Labor and Related Expense": "0.501", "Expenses": "3.26", "Revenues": "-2.96", "Net Income": "0.518", "General and Administrative Expense": "0.662", "Selling and Marketing Expense": "0.672", "Operating Expenses": "1.37", "Other Revenues": "-2.96", "Other Net Income": "0.653", "Economic Capital Ratio": "-1.30" }, "2023": { "Assets": "2.51", "Liabilities": "-2.88", "ECR before LimitedLiability": "1.99", "Notes Receivable": "7.93", "Loans": "-1.86", "Other Assets": "-4.74", "Cash and Cash Equivalents": "-0.292", "Other Liabilities": "3.52", "Deposits": "-10.9", "Debt": "4.11", "Expenses": "5.92", "Net Income": "1.40", "Labor and Related Expense": "0.403", "Other Expenses": "-0.571", "Operating Expenses": "3.10", "Selling and Marketing Expense": "1.02", "General and Administrative Expense": "1.28", "Other Revenues": "-4.28", "Revenues": "-4.28", "Other Net Income": "0.801", "Comprehensive Net Income": "1.51", "Economic Capital Ratio": "0.0845" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001493225_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "96,085", "Debt": "0", "Deposits": "2,713,587", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "2,943,489", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "810,520", "Other Compr. Net Income": "-1,346", "Other Expenses": "13,665", "Other Liabilities": "515,311", "Other Net Income": "39,795", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,850,094", "Liabilities": "3,228,898", "Expenses": "13,665", "Revenues": "0", "Stockholders Equity": "621,196", "Net Income": "26,130", "Comprehensive Net Income": "24,784", "BaseVar": "3,566,899", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "16%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "57,839", "Debt": "0", "Deposits": "2,836,979", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "3,114,659", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "818,919", "Other Compr. Net Income": "-227", "Other Expenses": "26,978", "Other Liabilities": "515,561", "Other Net Income": "51,746", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,991,417", "Liabilities": "3,352,540", "Expenses": "26,978", "Revenues": "0", "Stockholders Equity": "638,877", "Net Income": "24,768", "Comprehensive Net Income": "24,541", "BaseVar": "3,711,454", "ECR before LimitedLiability": "9.4%", "Economic Capital Ratio": "16%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "77,762", "Debt": "0", "Deposits": "3,286,512", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "3,217,673", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,112,997", "Other Compr. Net Income": "-3,696", "Other Expenses": "9,632", "Other Liabilities": "455,481", "Other Net Income": "49,711", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,408,432", "Liabilities": "3,741,993", "Expenses": "9,632", "Revenues": "0", "Stockholders Equity": "666,439", "Net Income": "40,079", "Comprehensive Net Income": "36,383", "BaseVar": "4,106,732", "ECR before LimitedLiability": "9.1%", "Economic Capital Ratio": "16%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "147,818", "Debt": "0", "Deposits": "3,408,233", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "39,571", "Loans": "3,408,378", "Notes Receivable": "0", "Occupancy": "13,676", "Operating Expenses": "0", "Other Assets": "1,499,106", "Other Compr. Net Income": "13,846", "Other Expenses": "26,102", "Other Liabilities": "951,216", "Other Net Income": "114,265", "Other Revenues": "12,306", "Professional Fees": "3,545", "Securities": "0", "Selling and Marketing Expense": "3,442" }, "output_variables": { "Assets": "5,055,302", "Liabilities": "4,359,449", "Expenses": "86,336", "Revenues": "12,306", "Stockholders Equity": "695,853", "Net Income": "40,235", "Comprehensive Net Income": "54,081", "BaseVar": "4,820,752", "ECR before LimitedLiability": "8.5%", "Economic Capital Ratio": "16%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "87,544", "Debt": "0", "Deposits": "4,076,551", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "41,437", "Loans": "0", "Notes Receivable": "3,785,631", "Occupancy": "15,152", "Operating Expenses": "0", "Other Assets": "1,641,369", "Other Compr. Net Income": "8,461", "Other Expenses": "28,732", "Other Liabilities": "684,012", "Other Net Income": "119,659", "Other Revenues": "8,879", "Professional Fees": "4,141", "Securities": "0", "Selling and Marketing Expense": "2,088" }, "output_variables": { "Assets": "5,514,544", "Liabilities": "4,760,563", "Expenses": "91,550", "Revenues": "8,879", "Stockholders Equity": "753,981", "Net Income": "36,988", "Comprehensive Net Income": "45,449", "BaseVar": "5,251,828", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "16%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "91,068", "Debt": "0", "Deposits": "4,169,334", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "43,677", "Loans": "0", "Notes Receivable": "3,767,644", "Occupancy": "13,956", "Operating Expenses": "0", "Other Assets": "1,571,830", "Other Compr. Net Income": "-11,097", "Other Expenses": "42,045", "Other Liabilities": "521,325", "Other Net Income": "166,432", "Other Revenues": "9,854", "Professional Fees": "3,596", "Securities": "0", "Selling and Marketing Expense": "2,358" }, "output_variables": { "Assets": "5,430,542", "Liabilities": "4,690,659", "Expenses": "105,632", "Revenues": "9,854", "Stockholders Equity": "739,883", "Net Income": "70,654", "Comprehensive Net Income": "59,557", "BaseVar": "5,207,108", "ECR before LimitedLiability": "8.5%", "Economic Capital Ratio": "16%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "45,799", "Debt": "0", "Deposits": "4,150,219", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "41,961", "Loans": "0", "Notes Receivable": "4,201,076", "Occupancy": "13,241", "Operating Expenses": "0", "Other Assets": "1,354,418", "Other Compr. Net Income": "-50,394", "Other Expenses": "39,481", "Other Liabilities": "749,684", "Other Net Income": "152,350", "Other Revenues": "9,457", "Professional Fees": "3,846", "Securities": "0", "Selling and Marketing Expense": "2,159" }, "output_variables": { "Assets": "5,601,293", "Liabilities": "4,899,903", "Expenses": "100,688", "Revenues": "9,457", "Stockholders Equity": "701,390", "Net Income": "61,119", "Comprehensive Net Income": "10,725", "BaseVar": "5,407,042", "ECR before LimitedLiability": "6.9%", "Economic Capital Ratio": "15%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "229,506", "Debt": "0", "Deposits": "3,878,435", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "46,496", "Loans": "0", "Notes Receivable": "4,166,119", "Occupancy": "13,259", "Operating Expenses": "0", "Other Assets": "1,202,771", "Other Compr. Net Income": "15,889", "Other Expenses": "32,209", "Other Liabilities": "1,020,516", "Other Net Income": "125,152", "Other Revenues": "10,058", "Professional Fees": "3,406", "Securities": "0", "Selling and Marketing Expense": "2,171" }, "output_variables": { "Assets": "5,598,396", "Liabilities": "4,898,951", "Expenses": "97,541", "Revenues": "10,058", "Stockholders Equity": "699,445", "Net Income": "37,669", "Comprehensive Net Income": "53,558", "BaseVar": "5,372,994", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": 14.0, "value": 0.1510581660035883, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001493225.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001493225.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001493225.svg" }, { "company_id": "0001178970", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001178970.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001178970.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001178970.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001178970_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001178970_main_keyfigs.svg", "name": "Provident Financial Services INC", "rank": 27, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001178970.svg", "report_text": "The relative strengths and weaknesses of Provident Financial Services INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Provident Financial Services INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.2% points.The greatest weakness of Provident Financial Services INC is the variable Deposits, reducing the Economic Capital Ratio by 13% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.080% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001178970_2024_Provident_Financial_Services_INC.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-0.983", "Assets": "1.08", "Liabilities": "-1.94", "Stockholders Equity": "-0.680", "Economic Capital Ratio": "-1.64", "Other Assets": "-3.85", "Notes Receivable": "-1.33", "Loans": "7.33", "Deposits": "-7.28", "Other Liabilities": "1.70", "Debt": "3.70", "Expenses": "3.82", "Revenues": "-3.20", "Net Income": "1.18", "Selling and Marketing Expense": "0.945", "General and Administrative Expense": "1.08", "Other Expenses": "-1.20", "Operating Expenses": "3.01", "Other Revenues": "-3.20", "Comprehensive Net Income": "0.939", "Other Net Income": "1.06" }, "2017": { "Notes Receivable": "-1.23", "Assets": "1.18", "Liabilities": "-2.14", "Stockholders Equity": "-0.770", "ECR before LimitedLiability": "-0.462", "Securities": "-0.533", "Cash and Cash Equivalents": "-0.813", "Other Assets": "-3.56", "Loans": "7.20", "Other Liabilities": "1.43", "Debt": "3.10", "Deposits": "-6.61", "Expenses": "3.65", "Revenues": "-2.73", "Net Income": "0.717", "Selling and Marketing Expense": "0.498", "Operating Expenses": "1.96", "Labor and Related Expense": "0.559", "Other Revenues": "-2.73", "Comprehensive Net Income": "0.723", "Economic Capital Ratio": "-1.17" }, "2018": { "Other Assets": "-2.89", "Assets": "1.06", "Liabilities": "-2.08", "Stockholders Equity": "-0.801", "ECR before LimitedLiability": "-0.674", "Notes Receivable": "-1.06", "Cash and Cash Equivalents": "-0.647", "Loans": "7.46", "Deposits": "-6.85", "Other Liabilities": "2.05", "Debt": "2.65", "Expenses": "3.53", "Revenues": "-2.21", "Net Income": "0.657", "Labor and Related Expense": "0.484", "Other Expenses": "0.682", "Selling and Marketing Expense": "0.498", "Operating Expenses": "1.17", "Other Revenues": "-2.21", "Comprehensive Net Income": "0.711", "Economic Capital Ratio": "-0.944" }, "2019": { "Other Assets": "-2.32", "Assets": "0.579", "Economic Capital Ratio": "-0.385", "Cash and Cash Equivalents": "-1.25", "Notes Receivable": "-1.97", "Loans": "7.79", "Securities": "-0.423", "Liabilities": "-0.917", "Deposits": "-8.61", "Debt": "4.04", "Other Liabilities": "3.39", "General and Administrative Expense": "0.345", "Expenses": "1.56", "Net Income": "0.587", "Operating Expenses": "0.579", "Selling and Marketing Expense": "0.625", "Labor and Related Expense": "-0.373", "Other Revenues": "-1.79", "Revenues": "-1.79", "Comprehensive Net Income": "0.368", "Other Net Income": "0.930" }, "2020": { "Notes Receivable": "-4.53", "Assets": "1.24", "Liabilities": "-2.96", "Expenses": "4.10", "Stockholders Equity": "-1.48", "ECR before LimitedLiability": "-2.45", "Other Assets": "-3.69", "Loans": "9.51", "Cash and Cash Equivalents": "-1.88", "Other Liabilities": "5.79", "Deposits": "-12.7", "Debt": "3.31", "General and Administrative Expense": "0.470", "Selling and Marketing Expense": "0.605", "Operating Expenses": "1.08", "Labor and Related Expense": "0.767", "Other Expenses": "0.439", "Other Revenues": "-2.94", "Revenues": "-2.94", "Economic Capital Ratio": "-2.79", "Other Net Income": "-0.759" }, "2021": { "Assets": "1.32", "Liabilities": "-2.97", "Stockholders Equity": "-1.40", "ECR before LimitedLiability": "-3.12", "Loans": "-10.1", "Other Assets": "-1.84", "Notes Receivable": "13.6", "Cash and Cash Equivalents": "-2.14", "Other Liabilities": "6.71", "Deposits": "-14.4", "Debt": "3.32", "Selling and Marketing Expense": "0.621", "Expenses": "4.02", "Revenues": "-3.43", "Net Income": "-0.532", "Operating Expenses": "0.964", "Labor and Related Expense": "0.950", "General and Administrative Expense": "0.629", "Other Revenues": "-3.43", "Other Net Income": "-0.545", "Economic Capital Ratio": "-3.56" }, "2022": { "Loans": "-9.33", "Assets": "1.49", "Liabilities": "-2.90", "Stockholders Equity": "-1.27", "ECR before LimitedLiability": "-1.38", "Other Assets": "-2.91", "Cash and Cash Equivalents": "-1.32", "Notes Receivable": "12.1", "Deposits": "-12.8", "Other Liabilities": "5.49", "Debt": "4.14", "Labor and Related Expense": "1.15", "Expenses": "4.62", "Revenues": "-3.12", "Net Income": "0.689", "General and Administrative Expense": "0.672", "Selling and Marketing Expense": "0.715", "Operating Expenses": "1.39", "Other Revenues": "-3.12", "Economic Capital Ratio": "-1.85", "Other Compr. Net Income": "-0.362" }, "2023": { "Assets": "2.99", "Liabilities": "-3.50", "Stockholders Equity": "-0.417", "ECR before LimitedLiability": "1.82", "Notes Receivable": "8.20", "Loans": "-1.85", "Other Assets": "-3.87", "Cash and Cash Equivalents": "-1.69", "Other Liabilities": "4.60", "Deposits": "-13.0", "Debt": "4.07", "Expenses": "6.49", "Revenues": "-4.37", "Net Income": "1.59", "Labor and Related Expense": "1.08", "Other Expenses": "-0.383", "Operating Expenses": "3.08", "Selling and Marketing Expense": "1.05", "General and Administrative Expense": "1.27", "Other Revenues": "-4.37", "Comprehensive Net Income": "1.60", "Economic Capital Ratio": "-0.0798" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001178970_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "144,297", "Debt": "0", "Deposits": "6,553,629", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "106,141", "Loans": "6,941,603", "Notes Receivable": "0", "Occupancy": "24,853", "Operating Expenses": "0", "Other Assets": "2,414,565", "Other Compr. Net Income": "-37,831", "Other Expenses": "49,099", "Other Liabilities": "1,695,055", "Other Net Income": "253,167", "Other Revenues": "55,393", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "3,685" }, "output_variables": { "Assets": "9,500,465", "Liabilities": "8,248,684", "Expenses": "183,778", "Revenues": "55,393", "Stockholders Equity": "1,251,781", "Net Income": "124,782", "Comprehensive Net Income": "86,951", "BaseVar": "9,139,659", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "15%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "190,834", "Debt": "0", "Deposits": "6,714,166", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "7,265,523", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,388,917", "Other Compr. Net Income": "-2,673", "Other Expenses": "46,528", "Other Liabilities": "1,832,447", "Other Net Income": "140,477", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "9,845,274", "Liabilities": "8,546,613", "Expenses": "46,528", "Revenues": "0", "Stockholders Equity": "1,298,661", "Net Income": "93,949", "Comprehensive Net Income": "91,276", "BaseVar": "9,290,782", "ECR before LimitedLiability": "8.1%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "142,661", "Debt": "0", "Deposits": "6,830,122", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "7,195,026", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,388,082", "Other Compr. Net Income": "-4,687", "Other Expenses": "25,530", "Other Liabilities": "1,536,667", "Other Net Income": "143,917", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "9,725,769", "Liabilities": "8,366,789", "Expenses": "25,530", "Revenues": "0", "Stockholders Equity": "1,358,980", "Net Income": "118,387", "Comprehensive Net Income": "113,700", "BaseVar": "9,133,346", "ECR before LimitedLiability": "8.8%", "Economic Capital Ratio": "16%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "7,102,609", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "116,849", "Loans": "7,277,360", "Notes Receivable": "0", "Occupancy": "25,895", "Operating Expenses": "0", "Other Assets": "2,531,218", "Other Compr. Net Income": "-18,298", "Other Expenses": "54,720", "Other Liabilities": "1,292,129", "Other Net Income": "284,873", "Other Revenues": "63,794", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "4,115" }, "output_variables": { "Assets": "9,808,578", "Liabilities": "8,394,738", "Expenses": "201,579", "Revenues": "63,794", "Stockholders Equity": "1,413,840", "Net Income": "147,088", "Comprehensive Net Income": "128,790", "BaseVar": "9,385,930", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "16%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "9,837,829", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "9,721,424", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "3,198,317", "Other Compr. Net Income": "13,834", "Other Expenses": "30,603", "Other Liabilities": "1,462,115", "Other Net Income": "127,554", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "12,919,741", "Liabilities": "11,299,944", "Expenses": "30,603", "Revenues": "0", "Stockholders Equity": "1,619,797", "Net Income": "96,951", "Comprehensive Net Income": "110,785", "BaseVar": "12,195,838", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "11,234,012", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "9,500,884", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "4,280,318", "Other Compr. Net Income": "-10,792", "Other Expenses": "59,197", "Other Liabilities": "850,094", "Other Net Income": "227,118", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "13,781,202", "Liabilities": "12,084,106", "Expenses": "59,197", "Revenues": "0", "Stockholders Equity": "1,697,096", "Net Income": "167,921", "Comprehensive Net Income": "157,129", "BaseVar": "13,081,208", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "10,563,024", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "10,160,860", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "3,622,576", "Other Compr. Net Income": "-171,908", "Other Expenses": "64,458", "Other Liabilities": "1,622,709", "Other Net Income": "240,106", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "13,783,436", "Liabilities": "12,185,733", "Expenses": "64,458", "Revenues": "0", "Stockholders Equity": "1,597,703", "Net Income": "175,648", "Comprehensive Net Income": "3,740", "BaseVar": "13,222,820", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "10,292,514", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "10,766,501", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "3,444,309", "Other Compr. Net Income": "23,930", "Other Expenses": "47,381", "Other Liabilities": "2,227,700", "Other Net Income": "175,779", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "14,210,810", "Liabilities": "12,520,214", "Expenses": "47,381", "Revenues": "0", "Stockholders Equity": "1,690,596", "Net Income": "128,398", "Comprehensive Net Income": "152,328", "BaseVar": "13,489,057", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": 21.0, "value": 0.14941515425676705, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001178970.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001178970.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001178970.svg" }, { "company_id": "0001046025", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001046025.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001046025.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001046025.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001046025_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001046025_main_keyfigs.svg", "name": "Heritage Financial CORP WA", "rank": 28, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001046025.svg", "report_text": "The relative strengths and weaknesses of Heritage Financial CORP WA are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Heritage Financial CORP WA compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.4% points.The greatest weakness of Heritage Financial CORP WA is the variable Deposits, reducing the Economic Capital Ratio by 16% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.16% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001046025_2024_Heritage_Financial_CORP_WA.pdf", "shrinked_graph_json": { "2016": { "Assets": "1.72", "Liabilities": "-2.80", "Stockholders Equity": "-0.890", "ECR before LimitedLiability": "-0.731", "Other Assets": "-2.32", "Notes Receivable": "-1.33", "Loans": "6.63", "Deposits": "-15.8", "Other Liabilities": "6.58", "Debt": "3.68", "Expenses": "5.33", "Revenues": "-3.58", "Net Income": "0.937", "Selling and Marketing Expense": "0.974", "General and Administrative Expense": "1.08", "Labor and Related Expense": "0.574", "Other Expenses": "-1.08", "Operating Expenses": "3.00", "Other Revenues": "-3.58", "Comprehensive Net Income": "0.910", "Economic Capital Ratio": "-2.00" }, "2017": { "Notes Receivable": "-1.25", "Assets": "1.02", "Liabilities": "-2.34", "Stockholders Equity": "-1.12", "ECR before LimitedLiability": "-0.719", "Securities": "-0.540", "Cash and Cash Equivalents": "-0.630", "Other Assets": "-2.19", "Loans": "6.68", "Other Liabilities": "6.69", "Debt": "3.13", "Deposits": "-14.2", "Expenses": "3.72", "Revenues": "-2.75", "Net Income": "0.772", "Selling and Marketing Expense": "0.503", "Operating Expenses": "1.98", "Labor and Related Expense": "0.565", "Other Revenues": "-2.75", "Comprehensive Net Income": "0.832", "Economic Capital Ratio": "-1.42" }, "2018": { "Other Assets": "-1.53", "Assets": "1.19", "Liabilities": "-2.05", "Stockholders Equity": "-0.658", "ECR before LimitedLiability": "-0.754", "Notes Receivable": "-1.06", "Loans": "5.28", "Deposits": "-14.4", "Other Liabilities": "7.38", "Debt": "2.66", "Expenses": "3.59", "Revenues": "-2.21", "Net Income": "0.486", "Labor and Related Expense": "0.485", "Other Expenses": "0.727", "Selling and Marketing Expense": "0.499", "Operating Expenses": "1.17", "Other Revenues": "-2.21", "Comprehensive Net Income": "0.488", "Other Net Income": "-0.528", "Economic Capital Ratio": "-1.02" }, "2019": { "Other Assets": "-1.19", "Assets": "1.32", "Economic Capital Ratio": "-0.146", "Notes Receivable": "-1.91", "Loans": "5.87", "Securities": "-0.410", "Liabilities": "-1.56", "Deposits": "-15.7", "Debt": "3.92", "Other Liabilities": "7.98", "General and Administrative Expense": "0.335", "Expenses": "3.00", "Revenues": "-2.20", "Net Income": "0.374", "Other Expenses": "0.447", "Operating Expenses": "0.562", "Selling and Marketing Expense": "0.639", "Labor and Related Expense": "0.531", "Other Revenues": "-2.20", "Comprehensive Net Income": "0.553", "Other Net Income": "-0.169", "Other Compr. Net Income": "0.176" }, "2020": { "Notes Receivable": "-4.53", "Assets": "1.26", "Liabilities": "-3.03", "Expenses": "4.23", "Stockholders Equity": "-1.53", "ECR before LimitedLiability": "-2.45", "Other Assets": "-4.40", "Loans": "7.61", "Cash and Cash Equivalents": "2.32", "Other Liabilities": "6.77", "Deposits": "-18.6", "Debt": "3.31", "General and Administrative Expense": "0.470", "Selling and Marketing Expense": "0.604", "Operating Expenses": "1.08", "Labor and Related Expense": "0.766", "Other Expenses": "0.551", "Other Revenues": "-2.94", "Revenues": "-2.94", "Economic Capital Ratio": "-2.79", "Other Net Income": "-0.900" }, "2021": { "Assets": "1.18", "Liabilities": "-3.18", "Stockholders Equity": "-1.75", "ECR before LimitedLiability": "-3.50", "Loans": "-10.2", "Other Assets": "-3.47", "Notes Receivable": "8.90", "Cash and Cash Equivalents": "6.40", "Other Liabilities": "6.45", "Deposits": "-17.0", "Debt": "3.36", "Selling and Marketing Expense": "0.632", "Expenses": "4.22", "Revenues": "-3.47", "Comprehensive Net Income": "-0.499", "Operating Expenses": "0.981", "Labor and Related Expense": "0.967", "General and Administrative Expense": "0.640", "Other Revenues": "-3.47", "Other Net Income": "-0.580", "Economic Capital Ratio": "-3.93" }, "2022": { "Loans": "-9.43", "Assets": "1.54", "Liabilities": "-3.02", "Stockholders Equity": "-1.35", "ECR before LimitedLiability": "-1.80", "Other Assets": "2.92", "Cash and Cash Equivalents": "-0.801", "Notes Receivable": "7.86", "Deposits": "-18.1", "Other Liabilities": "5.44", "Debt": "4.20", "Labor and Related Expense": "1.18", "Expenses": "4.94", "Revenues": "-3.17", "Net Income": "0.613", "General and Administrative Expense": "0.685", "Selling and Marketing Expense": "0.729", "Operating Expenses": "1.42", "Other Revenues": "-3.17", "Economic Capital Ratio": "-2.27", "Other Compr. Net Income": "-0.633" }, "2023": { "Assets": "2.09", "Liabilities": "-2.77", "Stockholders Equity": "-0.533", "ECR before LimitedLiability": "1.74", "Notes Receivable": "5.92", "Loans": "-1.90", "Cash and Cash Equivalents": "-0.660", "Other Liabilities": "6.43", "Deposits": "-16.0", "Debt": "4.18", "Interest Expense": "0.282", "Expenses": "5.30", "Revenues": "-4.44", "Net Income": "1.35", "Other Expenses": "-0.698", "Operating Expenses": "3.17", "Selling and Marketing Expense": "1.05", "General and Administrative Expense": "1.31", "Other Revenues": "-4.44", "Other Net Income": "1.47", "Comprehensive Net Income": "1.54", "Economic Capital Ratio": "-0.161" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001046025_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "103,745", "Debt": "0", "Deposits": "3,229,648", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "2,609,666", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,165,570", "Other Compr. Net Income": "-5,165", "Other Expenses": "13,803", "Other Liabilities": "167,570", "Other Net Income": "52,721", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,878,981", "Liabilities": "3,397,218", "Expenses": "13,803", "Revenues": "0", "Stockholders Equity": "481,763", "Net Income": "38,918", "Comprehensive Net Income": "33,753", "BaseVar": "3,673,944", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "103,015", "Debt": "0", "Deposits": "3,393,060", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "2,816,985", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,193,270", "Other Compr. Net Income": "1,526", "Other Expenses": "18,356", "Other Liabilities": "211,905", "Other Net Income": "60,147", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,113,270", "Liabilities": "3,604,965", "Expenses": "18,356", "Revenues": "0", "Stockholders Equity": "508,305", "Net Income": "41,791", "Comprehensive Net Income": "43,317", "BaseVar": "3,899,132", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "161,910", "Debt": "0", "Deposits": "4,432,402", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "3,619,118", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,535,899", "Other Compr. Net Income": "-6,064", "Other Expenses": "11,030", "Other Liabilities": "123,802", "Other Net Income": "64,087", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "5,316,927", "Liabilities": "4,556,204", "Expenses": "11,030", "Revenues": "0", "Stockholders Equity": "760,723", "Net Income": "53,057", "Comprehensive Net Income": "46,993", "BaseVar": "4,977,156", "ECR before LimitedLiability": "8.7%", "Economic Capital Ratio": "16%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "228,568", "Debt": "0", "Deposits": "4,582,676", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "3,731,708", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,592,694", "Other Compr. Net Income": "17,833", "Other Expenses": "13,488", "Other Liabilities": "160,983", "Other Net Income": "81,045", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "5,552,970", "Liabilities": "4,743,659", "Expenses": "13,488", "Revenues": "0", "Stockholders Equity": "809,311", "Net Income": "67,557", "Comprehensive Net Income": "85,390", "BaseVar": "5,204,498", "ECR before LimitedLiability": "9.5%", "Economic Capital Ratio": "16%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "743,322", "Debt": "0", "Deposits": "5,597,990", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "4,398,462", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,473,534", "Other Compr. Net Income": "14,640", "Other Expenses": "6,610", "Other Liabilities": "196,889", "Other Net Income": "53,180", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "6,615,318", "Liabilities": "5,794,879", "Expenses": "6,610", "Revenues": "0", "Stockholders Equity": "820,439", "Net Income": "46,570", "Comprehensive Net Income": "61,210", "BaseVar": "6,242,314", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "1,723,292", "Debt": "0", "Deposits": "6,381,337", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "3,773,301", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,935,819", "Other Compr. Net Income": "-15,622", "Other Expenses": "22,472", "Other Liabilities": "196,643", "Other Net Income": "120,507", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "7,432,412", "Liabilities": "6,577,980", "Expenses": "22,472", "Revenues": "0", "Stockholders Equity": "854,432", "Net Income": "98,035", "Comprehensive Net Income": "82,413", "BaseVar": "7,084,496", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "103,590", "Debt": "0", "Deposits": "5,924,840", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "4,007,872", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,868,638", "Other Compr. Net Income": "-109,246", "Other Expenses": "17,561", "Other Liabilities": "257,367", "Other Net Income": "99,436", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "6,980,100", "Liabilities": "6,182,207", "Expenses": "17,561", "Revenues": "0", "Stockholders Equity": "797,893", "Net Income": "81,875", "Comprehensive Net Income": "-27,371", "BaseVar": "6,694,275", "ECR before LimitedLiability": "5.6%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "224,973", "Debt": "0", "Deposits": "5,599,872", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "100,083", "Loans": "0", "Notes Receivable": "4,287,628", "Occupancy": "19,156", "Operating Expenses": "0", "Other Assets": "2,662,356", "Other Compr. Net Income": "27,374", "Other Expenses": "52,387", "Other Liabilities": "721,824", "Other Net Income": "217,298", "Other Revenues": "2,934", "Professional Fees": "4,227", "Securities": "0", "Selling and Marketing Expense": "1,930" }, "output_variables": { "Assets": "7,174,957", "Liabilities": "6,321,696", "Expenses": "177,783", "Revenues": "2,934", "Stockholders Equity": "853,261", "Net Income": "42,449", "Comprehensive Net Income": "69,823", "BaseVar": "6,961,021", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": 26.0, "value": 0.14860543414130517, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001046025.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001046025.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001046025.svg" }, { "company_id": "0001393612", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001393612.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001393612.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001393612.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001393612_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001393612_main_keyfigs.svg", "name": "Discover Financial Services", "rank": 29, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001393612.svg", "report_text": "The relative strengths and weaknesses of Discover Financial Services are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Discover Financial Services compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.5% points.The greatest weakness of Discover Financial Services is the variable Deposits, reducing the Economic Capital Ratio by 12% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.23% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001393612_2024_Discover_Financial_Services.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "3.36", "Assets": "0.896", "Liabilities": "-2.15", "Stockholders Equity": "-1.01", "Economic Capital Ratio": "-0.724", "Other Assets": "-9.44", "Notes Receivable": "-1.27", "Loans": "9.12", "Deposits": "-1.67", "Other Liabilities": "7.82", "Debt": "-8.42", "Expenses": "4.16", "Revenues": "-3.53", "Net Income": "2.17", "Selling and Marketing Expense": "0.938", "General and Administrative Expense": "1.04", "Other Expenses": "-1.78", "Operating Expenses": "2.88", "Other Revenues": "-3.53", "Comprehensive Net Income": "2.26", "Other Net Income": "2.06" }, "2017": { "Notes Receivable": "-1.30", "Assets": "-1.21", "Liabilities": "-0.763", "Stockholders Equity": "-2.00", "ECR before LimitedLiability": "-0.515", "Cash and Cash Equivalents": "3.62", "Other Assets": "-9.62", "Loans": "7.62", "Other Liabilities": "-50.2", "Debt": "3.29", "Deposits": "10.8", "Expenses": "1.02", "Revenues": "-1.51", "Net Income": "2.89", "Operating Expenses": "1.81", "Labor and Related Expense": "-0.590", "Other Revenues": "-1.51", "Comprehensive Net Income": "1.69", "Other Net Income": "3.54", "Other Compr. Net Income": "-1.06", "Economic Capital Ratio": "-1.22" }, "2018": { "Liabilities": "-2.55", "Stockholders Equity": "-2.39", "ECR before LimitedLiability": "-1.23", "Deposits": "-2.39", "Other Liabilities": "6.92", "Debt": "-7.92", "Expenses": "3.21", "Net Income": "1.70", "Labor and Related Expense": "0.502", "Selling and Marketing Expense": "0.516", "Operating Expenses": "1.22", "Other Revenues": "-2.28", "Revenues": "-2.28", "Other Assets": "-8.86", "Notes Receivable": "-1.10", "Securities": "0.665", "Cash and Cash Equivalents": "4.33", "Loans": "7.20", "Comprehensive Net Income": "1.82", "Other Net Income": "1.06", "Economic Capital Ratio": "-1.50" }, "2019": { "Liabilities": "-2.14", "Stockholders Equity": "-1.78", "ECR before LimitedLiability": "-0.864", "Deposits": "-4.17", "Debt": "-5.49", "Other Liabilities": "7.09", "Expenses": "2.71", "Net Income": "1.47", "Operating Expenses": "0.590", "Selling and Marketing Expense": "0.671", "Labor and Related Expense": "0.557", "Other Revenues": "-2.29", "Revenues": "-2.29", "Other Assets": "-8.48", "Cash and Cash Equivalents": "0.855", "Notes Receivable": "-2.02", "Loans": "7.79", "Securities": "3.20", "Comprehensive Net Income": "1.42", "Other Net Income": "1.29", "Economic Capital Ratio": "-1.05" }, "2020": { "Notes Receivable": "13.5", "Assets": "0.613", "Liabilities": "-3.62", "Stockholders Equity": "-2.71", "ECR before LimitedLiability": "-3.46", "Other Assets": "-8.89", "Loans": "-11.4", "Cash and Cash Equivalents": "2.76", "Securities": "3.41", "Other Liabilities": "5.90", "Deposits": "-7.82", "Debt": "-4.75", "Expenses": "4.30", "General and Administrative Expense": "0.494", "Selling and Marketing Expense": "0.635", "Operating Expenses": "1.13", "Labor and Related Expense": "0.805", "Other Revenues": "-3.06", "Revenues": "-3.06", "Economic Capital Ratio": "-3.80", "Other Net Income": "-0.582" }, "2021": { "Other Liabilities": "6.99", "Liabilities": "-1.90", "Securities": "1.80", "Stockholders Equity": "-1.53", "Economic Capital Ratio": "-0.856", "Deposits": "-5.21", "Debt": "-3.74", "Expenses": "2.83", "Revenues": "-3.35", "Net Income": "2.23", "Other Expenses": "-0.594", "Operating Expenses": "0.895", "Labor and Related Expense": "0.882", "General and Administrative Expense": "0.586", "Other Revenues": "-3.35", "Loans": "-10.1", "Other Assets": "-9.07", "Notes Receivable": "16.9", "Cash and Cash Equivalents": "1.24", "Comprehensive Net Income": "2.26", "Other Net Income": "3.02" }, "2022": { "Loans": "-8.98", "Assets": "0.808", "Liabilities": "-2.51", "Stockholders Equity": "-1.41", "ECR before LimitedLiability": "0.882", "Other Assets": "-8.58", "Cash and Cash Equivalents": "1.13", "Securities": "3.24", "Notes Receivable": "14.5", "Deposits": "-8.78", "Other Liabilities": "7.78", "Debt": "-2.56", "Labor and Related Expense": "1.05", "Expenses": "3.68", "Revenues": "-2.93", "Net Income": "2.27", "Selling and Marketing Expense": "0.653", "Operating Expenses": "1.27", "Other Revenues": "-2.93", "Comprehensive Net Income": "2.81", "Other Net Income": "1.90", "Economic Capital Ratio": "0.411" }, "2023": { "Securities": "3.52", "Assets": "2.21", "Liabilities": "-3.73", "Stockholders Equity": "-1.32", "ECR before LimitedLiability": "1.67", "Notes Receivable": "8.48", "Loans": "-1.88", "Other Assets": "-9.18", "Cash and Cash Equivalents": "1.07", "Other Liabilities": "6.58", "Deposits": "-11.9", "Debt": "-1.83", "Expenses": "6.34", "Revenues": "-4.42", "Net Income": "2.51", "Labor and Related Expense": "1.10", "Operating Expenses": "3.13", "Selling and Marketing Expense": "1.06", "General and Administrative Expense": "1.29", "Other Revenues": "-4.42", "Comprehensive Net Income": "2.44", "Economic Capital Ratio": "-0.231" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001393612_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "12,009,000", "Debt": "25,443,000", "Deposits": "51,992,000", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "75,087,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "3,455,000", "Other Compr. Net Income": "-1,000", "Other Expenses": "1,263,000", "Other Liabilities": "3,550,000", "Other Net Income": "3,656,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "1,757,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "92,308,000", "Liabilities": "80,985,000", "Expenses": "1,263,000", "Revenues": "0", "Stockholders Equity": "11,323,000", "Net Income": "2,393,000", "Comprehensive Net Income": "2,392,000", "BaseVar": "89,106,500", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "16%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "13,387,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "1,512,000", "Loans": "81,627,000", "Notes Receivable": "0", "Occupancy": "99,000", "Operating Expenses": "315,000", "Other Assets": "3,505,000", "Other Compr. Net Income": "-1,429,000", "Other Expenses": "424,000", "Other Liabilities": "89,195,000", "Other Net Income": "5,421,000", "Other Revenues": "1,897,000", "Professional Fees": "655,000", "Securities": "1,568,000", "Selling and Marketing Expense": "776,000" }, "output_variables": { "Assets": "100,087,000", "Liabilities": "89,195,000", "Expenses": "3,781,000", "Revenues": "1,897,000", "Stockholders Equity": "10,892,000", "Net Income": "3,537,000", "Comprehensive Net Income": "2,108,000", "BaseVar": "100,905,000", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "15,145,000", "Debt": "27,228,000", "Deposits": "67,759,000", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "87,471,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "3,567,000", "Other Compr. Net Income": "25,000", "Other Expenses": "855,000", "Other Liabilities": "3,436,000", "Other Net Income": "3,597,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "3,370,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "109,553,000", "Liabilities": "98,423,000", "Expenses": "855,000", "Revenues": "0", "Stockholders Equity": "11,130,000", "Net Income": "2,742,000", "Comprehensive Net Income": "2,767,000", "BaseVar": "106,226,500", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "6,964,000", "Debt": "25,701,000", "Deposits": "72,746,000", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "92,511,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "3,926,000", "Other Compr. Net Income": "37,000", "Other Expenses": "878,000", "Other Liabilities": "3,690,000", "Other Net Income": "3,835,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "10,595,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "113,996,000", "Liabilities": "102,137,000", "Expenses": "878,000", "Revenues": "0", "Stockholders Equity": "11,859,000", "Net Income": "2,957,000", "Comprehensive Net Income": "2,994,000", "BaseVar": "110,441,500", "ECR before LimitedLiability": "8.3%", "Economic Capital Ratio": "16%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "13,589,000", "Debt": "21,241,000", "Deposits": "76,904,000", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "82,223,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "7,163,000", "Other Compr. Net Income": "164,000", "Other Expenses": "294,000", "Other Liabilities": "3,860,000", "Other Net Income": "1,435,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "9,914,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "112,889,000", "Liabilities": "102,005,000", "Expenses": "294,000", "Revenues": "0", "Stockholders Equity": "10,884,000", "Net Income": "1,141,000", "Comprehensive Net Income": "1,305,000", "BaseVar": "108,393,500", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "11,332,000", "Debt": "18,477,000", "Deposits": "72,393,000", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "86,862,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "5,144,000", "Other Compr. Net Income": "-139,000", "Other Expenses": "1,615,000", "Other Liabilities": "5,964,000", "Other Net Income": "7,064,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "6,904,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "110,242,000", "Liabilities": "96,834,000", "Expenses": "1,615,000", "Revenues": "0", "Stockholders Equity": "13,408,000", "Net Income": "5,449,000", "Comprehensive Net Income": "5,310,000", "BaseVar": "107,947,000", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "18%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "8,897,000", "Debt": "20,108,000", "Deposits": "91,636,000", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "104,746,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "5,777,000", "Other Compr. Net Income": "-245,000", "Other Expenses": "1,350,000", "Other Liabilities": "5,294,000", "Other Net Income": "5,742,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "12,208,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "131,628,000", "Liabilities": "117,038,000", "Expenses": "1,350,000", "Revenues": "0", "Stockholders Equity": "14,590,000", "Net Income": "4,392,000", "Comprehensive Net Income": "4,147,000", "BaseVar": "128,001,500", "ECR before LimitedLiability": "9.2%", "Economic Capital Ratio": "16%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "11,728,000", "Debt": "20,581,000", "Deposits": "108,931,000", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "119,126,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "7,013,000", "Other Compr. Net Income": "114,000", "Other Expenses": "886,000", "Other Liabilities": "7,182,000", "Other Net Income": "3,826,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "13,655,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "151,522,000", "Liabilities": "136,694,000", "Expenses": "886,000", "Revenues": "0", "Stockholders Equity": "14,828,000", "Net Income": "2,940,000", "Comprehensive Net Income": "3,054,000", "BaseVar": "146,521,000", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": -1.0, "value": 0.1479048248049668, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001393612.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001393612.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001393612.svg" }, { "company_id": "0001337068", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001337068.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001337068.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001337068.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001337068_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001337068_main_keyfigs.svg", "name": "Magyar Bancorp Inc", "rank": 30, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001337068.svg", "report_text": "The relative strengths and weaknesses of Magyar Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Magyar Bancorp Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Magyar Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 21% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.38% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001337068_2024_Magyar_Bancorp_Inc.pdf", "shrinked_graph_json": { "2016": { "Assets": "1.28", "Liabilities": "-4.23", "Stockholders Equity": "-2.77", "Securities": "-0.569", "Other Assets": "-6.32", "Notes Receivable": "-1.52", "Loans": "6.30", "Deposits": "-15.0", "Other Liabilities": "4.21", "Debt": "3.99", "Expenses": "4.15", "ECR before LimitedLiability": "-3.21", "Selling and Marketing Expense": "1.09", "General and Administrative Expense": "1.21", "Labor and Related Expense": "0.640", "Other Expenses": "-0.992", "Operating Expenses": "3.36", "Other Revenues": "-3.90", "Revenues": "-3.90", "Economic Capital Ratio": "-4.48", "Other Net Income": "-0.899" }, "2017": { "Notes Receivable": "-1.43", "Assets": "0.525", "Liabilities": "-3.72", "Stockholders Equity": "-2.96", "Securities": "-0.620", "Cash and Cash Equivalents": "-0.256", "Other Assets": "-5.94", "Loans": "5.73", "Other Liabilities": "4.40", "Debt": "3.40", "Deposits": "-14.7", "Expenses": "4.17", "ECR before LimitedLiability": "-3.21", "Selling and Marketing Expense": "0.562", "Operating Expenses": "2.22", "Labor and Related Expense": "0.631", "General and Administrative Expense": "0.509", "Other Revenues": "-3.01", "Revenues": "-3.01", "Economic Capital Ratio": "-3.91", "Other Net Income": "-0.665" }, "2018": { "Liabilities": "-3.78", "Stockholders Equity": "-3.32", "Deposits": "-13.3", "Other Liabilities": "4.33", "Debt": "2.97", "Expenses": "4.15", "ECR before LimitedLiability": "-3.91", "Labor and Related Expense": "0.559", "Other Expenses": "0.819", "Selling and Marketing Expense": "0.575", "Operating Expenses": "1.36", "General and Administrative Expense": "0.235", "Other Revenues": "-2.50", "Revenues": "-2.50", "Other Assets": "-6.09", "Notes Receivable": "-1.26", "Securities": "-0.511", "Cash and Cash Equivalents": "-0.392", "Loans": "5.63", "Economic Capital Ratio": "-4.18", "Other Net Income": "-1.17" }, "2019": { "Other Assets": "-6.11", "Assets": "0.492", "Liabilities": "-3.29", "Expenses": "3.57", "Stockholders Equity": "-2.58", "ECR before LimitedLiability": "-3.35", "Notes Receivable": "-2.26", "Loans": "6.55", "Securities": "-0.494", "Deposits": "-14.2", "Debt": "4.40", "Other Liabilities": "4.67", "General and Administrative Expense": "0.387", "Other Expenses": "0.559", "Operating Expenses": "0.651", "Selling and Marketing Expense": "0.741", "Labor and Related Expense": "0.615", "Other Revenues": "-2.48", "Revenues": "-2.48", "Economic Capital Ratio": "-3.54", "Other Net Income": "-0.881" }, "2020": { "Other Liabilities": "4.04", "Liabilities": "-4.48", "Stockholders Equity": "-3.71", "Deposits": "-14.7", "Debt": "3.63", "Expenses": "3.90", "Net Income": "-0.580", "Selling and Marketing Expense": "0.683", "Operating Expenses": "1.22", "Labor and Related Expense": "0.867", "Other Expenses": "0.605", "Other Revenues": "-3.25", "Revenues": "-3.25", "ECR before LimitedLiability": "-5.15", "Notes Receivable": "-5.10", "Other Assets": "-7.96", "Loans": "8.94", "Cash and Cash Equivalents": "1.15", "Comprehensive Net Income": "-0.557", "Other Net Income": "-1.35", "Economic Capital Ratio": "-5.48" }, "2021": { "Assets": "1.52", "Liabilities": "-3.02", "Stockholders Equity": "-1.27", "ECR before LimitedLiability": "-3.23", "Loans": "10.8", "Other Assets": "-6.50", "Notes Receivable": "-5.31", "Cash and Cash Equivalents": "1.32", "Other Liabilities": "6.63", "Deposits": "-15.3", "Debt": "3.32", "Expenses": "4.11", "Revenues": "-3.43", "Net Income": "-0.859", "Operating Expenses": "0.965", "Labor and Related Expense": "0.952", "General and Administrative Expense": "0.630", "Other Revenues": "-3.43", "Comprehensive Net Income": "-0.691", "Other Net Income": "-0.942", "Economic Capital Ratio": "-3.67" }, "2023": { "Assets": "3.01", "Liabilities": "-3.63", "Stockholders Equity": "-0.564", "ECR before LimitedLiability": "1.52", "Notes Receivable": "-12.6", "Loans": "-1.88", "Other Assets": "13.8", "Cash and Cash Equivalents": "1.23", "Other Liabilities": "6.64", "Deposits": "-20.5", "Debt": "2.59", "Expenses": "6.21", "Revenues": "-4.40", "Net Income": "1.57", "Labor and Related Expense": "1.09", "Other Expenses": "-0.388", "Operating Expenses": "3.12", "Selling and Marketing Expense": "1.06", "General and Administrative Expense": "1.29", "Other Revenues": "-4.40", "Comprehensive Net Income": "1.46", "Economic Capital Ratio": "-0.379" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001337068_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "21,806", "Debt": "0", "Deposits": "492,650", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "115", "Labor and Related Expense": "0", "Loans": "455,031", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "107,540", "Other Compr. Net Income": "-160", "Other Expenses": "664", "Other Liabilities": "43,887", "Other Net Income": "1,755", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "584,377", "Liabilities": "536,652", "Expenses": "664", "Revenues": "0", "Stockholders Equity": "47,725", "Net Income": "1,091", "Comprehensive Net Income": "931", "BaseVar": "561,804", "ECR before LimitedLiability": "4.4%", "Economic Capital Ratio": "13%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "22,334", "Debt": "0", "Deposits": "515,201", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "105", "Labor and Related Expense": "0", "Loans": "470,693", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "110,017", "Other Compr. Net Income": "155", "Other Expenses": "994", "Other Liabilities": "38,281", "Other Net Income": "2,417", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "603,044", "Liabilities": "553,587", "Expenses": "994", "Revenues": "0", "Stockholders Equity": "49,457", "Net Income": "1,423", "Comprehensive Net Income": "1,578", "BaseVar": "580,098", "ECR before LimitedLiability": "4.5%", "Economic Capital Ratio": "13%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "15,368", "Debt": "0", "Deposits": "530,137", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "193", "Labor and Related Expense": "0", "Loans": "508,430", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "100,170", "Other Compr. Net Income": "-282", "Other Expenses": "1,471", "Other Liabilities": "42,276", "Other Net Income": "3,501", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "623,968", "Liabilities": "572,606", "Expenses": "1,471", "Revenues": "0", "Stockholders Equity": "51,362", "Net Income": "2,030", "Comprehensive Net Income": "1,748", "BaseVar": "600,914", "ECR before LimitedLiability": "4.6%", "Economic Capital Ratio": "13%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "21,469", "Debt": "0", "Deposits": "530,075", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "191", "Labor and Related Expense": "0", "Loans": "518,217", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "90,642", "Other Compr. Net Income": "144", "Other Expenses": "1,265", "Other Liabilities": "45,411", "Other Net Income": "4,261", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "630,328", "Liabilities": "575,677", "Expenses": "1,265", "Revenues": "0", "Stockholders Equity": "54,651", "Net Income": "2,996", "Comprehensive Net Income": "3,140", "BaseVar": "605,838", "ECR before LimitedLiability": "5.1%", "Economic Capital Ratio": "13%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "61,726", "Debt": "0", "Deposits": "618,330", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "191", "Labor and Related Expense": "0", "Loans": "603,110", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "89,161", "Other Compr. Net Income": "-27", "Other Expenses": "921", "Other Liabilities": "78,626", "Other Net Income": "3,111", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "753,997", "Liabilities": "697,147", "Expenses": "921", "Revenues": "0", "Stockholders Equity": "56,850", "Net Income": "2,190", "Comprehensive Net Income": "2,163", "BaseVar": "727,602", "ECR before LimitedLiability": "4.2%", "Economic Capital Ratio": "12%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "75,201", "Debt": "0", "Deposits": "639,814", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "85", "Labor and Related Expense": "0", "Loans": "585,301", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "113,488", "Other Compr. Net Income": "410", "Other Expenses": "2,605", "Other Liabilities": "36,450", "Other Net Income": "8,725", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "773,990", "Liabilities": "676,349", "Expenses": "2,605", "Revenues": "0", "Stockholders Equity": "97,641", "Net Income": "6,120", "Comprehensive Net Income": "6,530", "BaseVar": "731,040", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "15%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "72,532", "Debt": "29,515", "Deposits": "755,453", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "443", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "834,760", "Other Compr. Net Income": "325", "Other Expenses": "3,032", "Other Liabilities": "17,091", "Other Net Income": "10,741", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "907,292", "Liabilities": "802,502", "Expenses": "3,032", "Revenues": "0", "Stockholders Equity": "104,790", "Net Income": "7,709", "Comprehensive Net Income": "8,034", "BaseVar": "861,946", "ECR before LimitedLiability": "7.1%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": null, "value": 0.1464205033739112, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001337068.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001337068.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001337068.svg" }, { "company_id": "0001436425", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001436425.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001436425.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001436425.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001436425_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001436425_main_keyfigs.svg", "name": "HOME Bancorp INC", "rank": 31, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001436425.svg", "report_text": "The relative strengths and weaknesses of HOME Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of HOME Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.9% points.The greatest weakness of HOME Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 17% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.42% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001436425_2024_HOME_Bancorp_INC.pdf", "shrinked_graph_json": { "2019": { "Other Assets": "15.7", "Assets": "0.309", "Liabilities": "-0.669", "Stockholders Equity": "-0.281", "ECR before LimitedLiability": "-0.511", "Cash and Cash Equivalents": "-1.28", "Notes Receivable": "-2.01", "Loans": "-14.9", "Securities": "-0.433", "Deposits": "-14.5", "Debt": "4.11", "Other Liabilities": "7.44", "General and Administrative Expense": "0.352", "Expenses": "0.708", "Operating Expenses": "0.591", "Selling and Marketing Expense": "0.615", "Labor and Related Expense": "-0.795", "Other Revenues": "-2.23", "Revenues": "-2.23", "Economic Capital Ratio": "-0.701", "Other Net Income": "1.72" }, "2020": { "Other Liabilities": "6.76", "Liabilities": "-2.15", "Stockholders Equity": "-1.69", "ECR before LimitedLiability": "-2.58", "Deposits": "-18.2", "Debt": "3.41", "Expenses": "2.00", "Revenues": "-3.00", "Net Income": "-0.297", "General and Administrative Expense": "0.485", "Selling and Marketing Expense": "0.588", "Operating Expenses": "1.11", "Labor and Related Expense": "-0.394", "Other Revenues": "-3.00", "Notes Receivable": "14.5", "Other Assets": "-3.94", "Loans": "-11.5", "Cash and Cash Equivalents": "-1.94", "Securities": "-0.352", "Other Net Income": "0.992", "Economic Capital Ratio": "-2.92" }, "2021": { "Securities": "-0.326", "Assets": "0.334", "Liabilities": "-2.23", "Stockholders Equity": "-1.69", "ECR before LimitedLiability": "-3.27", "Loans": "-10.3", "Notes Receivable": "11.8", "Cash and Cash Equivalents": "-2.21", "Other Liabilities": "6.72", "Deposits": "-16.7", "Debt": "3.42", "Selling and Marketing Expense": "0.589", "Expenses": "2.09", "Revenues": "-3.46", "Net Income": "-0.515", "Operating Expenses": "0.995", "General and Administrative Expense": "0.649", "Other Revenues": "-3.46", "Comprehensive Net Income": "-0.502", "Other Net Income": "1.21", "Economic Capital Ratio": "-3.70" }, "2022": { "Loans": "-9.80", "Assets": "0.365", "Liabilities": "-2.57", "Stockholders Equity": "-2.04", "ECR before LimitedLiability": "-2.47", "Other Assets": "-3.60", "Cash and Cash Equivalents": "-1.43", "Securities": "-0.354", "Notes Receivable": "11.3", "Deposits": "-14.6", "Other Liabilities": "4.62", "Debt": "4.40", "Expenses": "2.60", "General and Administrative Expense": "0.723", "Other Expenses": "-0.457", "Selling and Marketing Expense": "0.706", "Operating Expenses": "1.50", "Other Revenues": "-3.30", "Revenues": "-3.30", "Economic Capital Ratio": "-2.94", "Other Net Income": "1.35" }, "2023": { "Assets": "1.79", "Liabilities": "-2.85", "Stockholders Equity": "-0.902", "ECR before LimitedLiability": "1.48", "Notes Receivable": "7.92", "Loans": "-1.93", "Other Assets": "-4.52", "Cash and Cash Equivalents": "-1.76", "Other Liabilities": "6.24", "Deposits": "-17.2", "Debt": "4.24", "Expenses": "5.09", "Revenues": "-4.50", "Net Income": "1.59", "Other Expenses": "-0.846", "Operating Expenses": "3.22", "Selling and Marketing Expense": "1.04", "General and Administrative Expense": "1.33", "Other Revenues": "-4.50", "Other Net Income": "1.98", "Comprehensive Net Income": "1.66", "Economic Capital Ratio": "-0.424" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001436425_strength_weakness.svg", "table_records": { "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,820,975", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "38,415", "Loans": "0", "Notes Receivable": "0", "Occupancy": "7,118", "Operating Expenses": "0", "Other Assets": "2,200,465", "Other Compr. Net Income": "2,898", "Other Expenses": "21,500", "Other Liabilities": "63,161", "Other Net Income": "84,872", "Other Revenues": "2,069", "Professional Fees": "856", "Securities": "0", "Selling and Marketing Expense": "1,576" }, "output_variables": { "Assets": "2,200,465", "Liabilities": "1,884,136", "Expenses": "69,465", "Revenues": "2,069", "Stockholders Equity": "316,329", "Net Income": "17,476", "Comprehensive Net Income": "20,374", "BaseVar": "2,121,952", "ECR before LimitedLiability": "8.7%", "Economic Capital Ratio": "16%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,213,821", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "37,935", "Loans": "0", "Notes Receivable": "1,946,991", "Occupancy": "6,794", "Operating Expenses": "0", "Other Assets": "644,859", "Other Compr. Net Income": "4,582", "Other Expenses": "22,310", "Other Liabilities": "56,187", "Other Net Income": "83,280", "Other Revenues": "994", "Professional Fees": "852", "Securities": "0", "Selling and Marketing Expense": "1,132" }, "output_variables": { "Assets": "2,591,850", "Liabilities": "2,270,008", "Expenses": "69,023", "Revenues": "994", "Stockholders Equity": "321,842", "Net Income": "15,251", "Comprehensive Net Income": "19,833", "BaseVar": "2,509,868", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,535,849", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "39,151", "Loans": "0", "Notes Receivable": "1,819,004", "Occupancy": "6,970", "Operating Expenses": "0", "Other Assets": "1,119,240", "Other Compr. Net Income": "-4,530", "Other Expenses": "29,630", "Other Liabilities": "50,492", "Other Net Income": "114,181", "Other Revenues": "2,603", "Professional Fees": "1,178", "Securities": "0", "Selling and Marketing Expense": "1,871" }, "output_variables": { "Assets": "2,938,244", "Liabilities": "2,586,341", "Expenses": "78,800", "Revenues": "2,603", "Stockholders Equity": "351,903", "Net Income": "37,984", "Comprehensive Net Income": "33,454", "BaseVar": "2,862,350", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,633,181", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "47,750", "Loans": "0", "Notes Receivable": "2,401,451", "Occupancy": "8,715", "Operating Expenses": "0", "Other Assets": "826,829", "Other Compr. Net Income": "-40,051", "Other Expenses": "29,871", "Other Liabilities": "265,145", "Other Net Income": "112,297", "Other Revenues": "915", "Professional Fees": "1,740", "Securities": "0", "Selling and Marketing Expense": "2,263" }, "output_variables": { "Assets": "3,228,280", "Liabilities": "2,898,326", "Expenses": "90,339", "Revenues": "915", "Stockholders Equity": "329,954", "Net Income": "22,873", "Comprehensive Net Income": "-17,178", "BaseVar": "3,185,104", "ECR before LimitedLiability": "4.8%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,670,624", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "48,933", "Loans": "0", "Notes Receivable": "2,550,101", "Occupancy": "9,674", "Operating Expenses": "0", "Other Assets": "770,021", "Other Compr. Net Income": "7,925", "Other Expenses": "30,304", "Other Liabilities": "282,054", "Other Net Income": "119,899", "Other Revenues": "1,045", "Professional Fees": "1,690", "Securities": "0", "Selling and Marketing Expense": "2,146" }, "output_variables": { "Assets": "3,320,122", "Liabilities": "2,952,678", "Expenses": "92,747", "Revenues": "1,045", "Stockholders Equity": "367,444", "Net Income": "28,197", "Comprehensive Net Income": "36,122", "BaseVar": "3,247,208", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": 33.0, "value": 0.1459694061911927, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001436425.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001436425.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001436425.svg" }, { "company_id": "0001070296", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001070296.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001070296.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001070296.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001070296_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001070296_main_keyfigs.svg", "name": "First Capital INC", "rank": 32, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001070296.svg", "report_text": "The relative strengths and weaknesses of First Capital INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of First Capital INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.6% points.The greatest weakness of First Capital INC is the variable Deposits, reducing the Economic Capital Ratio by 23% points.

The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.44% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001070296_2024_First_Capital_INC.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.59", "Assets": "1.31", "Liabilities": "-3.36", "Stockholders Equity": "-1.87", "ECR before LimitedLiability": "-1.96", "Other Assets": "5.31", "Notes Receivable": "-1.43", "Deposits": "-19.1", "Other Liabilities": "5.72", "Debt": "3.85", "Expenses": "5.31", "Revenues": "-3.74", "Net Income": "0.914", "Selling and Marketing Expense": "1.03", "General and Administrative Expense": "1.15", "Labor and Related Expense": "0.608", "Other Expenses": "-1.12", "Operating Expenses": "3.19", "Other Revenues": "-3.74", "Comprehensive Net Income": "0.677", "Economic Capital Ratio": "-3.23" }, "2017": { "Notes Receivable": "-1.30", "Assets": "0.722", "Liabilities": "-2.77", "Stockholders Equity": "-1.83", "ECR before LimitedLiability": "-1.44", "Securities": "-0.563", "Cash and Cash Equivalents": "-1.54", "Other Assets": "4.56", "Other Liabilities": "6.19", "Debt": "3.21", "Deposits": "-16.9", "Expenses": "3.89", "Revenues": "-2.82", "Net Income": "0.762", "Selling and Marketing Expense": "0.520", "Operating Expenses": "2.05", "Labor and Related Expense": "0.584", "General and Administrative Expense": "0.471", "Other Revenues": "-2.82", "Comprehensive Net Income": "0.854", "Economic Capital Ratio": "-2.14" }, "2018": { "Other Assets": "5.09", "Assets": "0.502", "Liabilities": "-2.89", "Stockholders Equity": "-2.14", "ECR before LimitedLiability": "-2.17", "Notes Receivable": "-1.15", "Cash and Cash Equivalents": "-1.23", "Loans": "-0.797", "Deposits": "-16.3", "Other Liabilities": "6.17", "Debt": "2.80", "Expenses": "3.89", "Revenues": "-2.33", "Net Income": "0.643", "Labor and Related Expense": "0.517", "Other Expenses": "0.806", "Selling and Marketing Expense": "0.532", "Operating Expenses": "1.25", "Other Revenues": "-2.33", "Comprehensive Net Income": "0.591", "Economic Capital Ratio": "-2.44" }, "2019": { "Other Assets": "4.51", "Assets": "0.768", "Liabilities": "-2.10", "Stockholders Equity": "-1.12", "ECR before LimitedLiability": "-0.754", "Cash and Cash Equivalents": "-1.26", "Notes Receivable": "-1.99", "Loans": "0.802", "Deposits": "-17.9", "Debt": "4.04", "Other Liabilities": "7.26", "Expenses": "3.13", "Revenues": "-2.26", "Comprehensive Net Income": "0.864", "Other Expenses": "0.468", "Operating Expenses": "0.582", "Selling and Marketing Expense": "0.662", "Labor and Related Expense": "0.549", "Other Revenues": "-2.26", "Other Compr. Net Income": "0.458", "Economic Capital Ratio": "-0.944" }, "2020": { "Other Liabilities": "6.79", "Liabilities": "-2.46", "Stockholders Equity": "-2.30", "Notes Receivable": "-4.68", "ECR before LimitedLiability": "-2.67", "Deposits": "-19.9", "Debt": "3.43", "Expenses": "2.24", "Revenues": "-2.60", "Comprehensive Net Income": "0.426", "General and Administrative Expense": "0.487", "Selling and Marketing Expense": "0.627", "Operating Expenses": "1.12", "Other Revenues": "-2.60", "Other Assets": "6.14", "Loans": "3.24", "Cash and Cash Equivalents": "-1.95", "Securities": "-0.355", "Other Compr. Net Income": "0.394", "Other Net Income": "0.656", "Economic Capital Ratio": "-3.01" }, "2021": { "Other Liabilities": "5.61", "Liabilities": "-2.95", "Stockholders Equity": "-2.63", "ECR before LimitedLiability": "-4.67", "Deposits": "-18.0", "Debt": "3.58", "Selling and Marketing Expense": "0.681", "Expenses": "2.59", "Net Income": "-0.793", "Operating Expenses": "1.06", "General and Administrative Expense": "0.690", "Other Revenues": "-3.25", "Revenues": "-3.25", "Securities": "-0.353", "Loans": "2.09", "Other Assets": "5.74", "Notes Receivable": "-5.74", "Cash and Cash Equivalents": "-2.37", "Comprehensive Net Income": "-1.01", "Other Net Income": "0.250", "Economic Capital Ratio": "-5.11" }, "2022": { "Loans": "-10.9", "Assets": "-0.617", "Liabilities": "-3.23", "Stockholders Equity": "-3.63", "Other Assets": "2.35", "Cash and Cash Equivalents": "-1.69", "Notes Receivable": "3.43", "Deposits": "-20.1", "Other Liabilities": "3.16", "Debt": "1.69", "Expenses": "1.57", "Revenues": "-3.22", "Comprehensive Net Income": "-1.74", "General and Administrative Expense": "0.828", "Selling and Marketing Expense": "0.882", "Operating Expenses": "1.50", "Other Revenues": "-3.22", "ECR before LimitedLiability": "-5.37", "Other Compr. Net Income": "-2.24", "Other Net Income": "0.739", "Economic Capital Ratio": "-5.84" }, "2023": { "Assets": "1.30", "Liabilities": "-3.23", "Stockholders Equity": "-1.70", "ECR before LimitedLiability": "1.47", "Notes Receivable": "2.16", "Loans": "-1.94", "Other Assets": "3.94", "Cash and Cash Equivalents": "-1.76", "Other Liabilities": "6.63", "Deposits": "-22.9", "Debt": "4.25", "Expenses": "5.50", "Revenues": "-4.08", "Net Income": "1.82", "Other Expenses": "-0.856", "Operating Expenses": "3.23", "Selling and Marketing Expense": "1.09", "General and Administrative Expense": "1.33", "Other Revenues": "-4.08", "Other Net Income": "1.34", "Comprehensive Net Income": "2.57", "Economic Capital Ratio": "-0.437" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001070296_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "664,650", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "133", "Labor and Related Expense": "0", "Loans": "381,154", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "362,504", "Other Compr. Net Income": "-2,787", "Other Expenses": "2,523", "Other Liabilities": "3,033", "Other Net Income": "9,400", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "743,658", "Liabilities": "667,816", "Expenses": "2,523", "Revenues": "0", "Stockholders Equity": "75,842", "Net Income": "6,877", "Comprehensive Net Income": "4,090", "BaseVar": "713,092", "ECR before LimitedLiability": "6.0%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "664,562", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "107", "Labor and Related Expense": "0", "Loans": "409,618", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "349,338", "Other Compr. Net Income": "556", "Other Expenses": "3,103", "Other Liabilities": "13,237", "Other Net Income": "10,555", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "758,956", "Liabilities": "677,906", "Expenses": "3,103", "Revenues": "0", "Stockholders Equity": "81,050", "Net Income": "7,452", "Comprehensive Net Income": "8,008", "BaseVar": "725,538", "ECR before LimitedLiability": "6.8%", "Economic Capital Ratio": "14%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "701,646", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "150", "Labor and Related Expense": "0", "Loans": "434,260", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "359,902", "Other Compr. Net Income": "-1,430", "Other Expenses": "1,394", "Other Liabilities": "6,410", "Other Net Income": "10,660", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "794,162", "Liabilities": "708,206", "Expenses": "1,394", "Revenues": "0", "Stockholders Equity": "85,956", "Net Income": "9,266", "Comprehensive Net Income": "7,836", "BaseVar": "757,926", "ECR before LimitedLiability": "6.8%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "722,177", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "210", "Labor and Related Expense": "0", "Loans": "466,494", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "361,002", "Other Compr. Net Income": "5,606", "Other Expenses": "1,987", "Other Liabilities": "6,161", "Other Net Income": "12,325", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "827,496", "Liabilities": "728,548", "Expenses": "1,987", "Revenues": "0", "Stockholders Equity": "98,948", "Net Income": "10,338", "Comprehensive Net Income": "15,944", "BaseVar": "787,981", "ECR before LimitedLiability": "8.4%", "Economic Capital Ratio": "16%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "900,461", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "153", "Labor and Related Expense": "13,808", "Loans": "500,331", "Notes Receivable": "0", "Occupancy": "1,775", "Operating Expenses": "0", "Other Assets": "517,220", "Other Compr. Net Income": "4,667", "Other Expenses": "8,464", "Other Liabilities": "6,186", "Other Net Income": "28,807", "Other Revenues": "6,197", "Professional Fees": "693", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,017,551", "Liabilities": "906,800", "Expenses": "24,740", "Revenues": "6,197", "Stockholders Equity": "110,751", "Net Income": "10,264", "Comprehensive Net Income": "14,931", "BaseVar": "994,381", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,035,562", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "97", "Labor and Related Expense": "14,537", "Loans": "483,287", "Notes Receivable": "0", "Occupancy": "1,770", "Operating Expenses": "0", "Other Assets": "673,316", "Other Compr. Net Income": "-5,101", "Other Expenses": "9,436", "Other Liabilities": "7,004", "Other Net Income": "31,424", "Other Revenues": "6,896", "Professional Fees": "1,028", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,156,603", "Liabilities": "1,042,663", "Expenses": "26,771", "Revenues": "6,896", "Stockholders Equity": "113,940", "Net Income": "11,549", "Comprehensive Net Income": "6,448", "BaseVar": "1,134,729", "ECR before LimitedLiability": "5.8%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,060,396", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "123", "Labor and Related Expense": "14,697", "Loans": "0", "Notes Receivable": "557,958", "Occupancy": "1,839", "Operating Expenses": "0", "Other Assets": "593,442", "Other Compr. Net Income": "-37,488", "Other Expenses": "10,126", "Other Liabilities": "5,611", "Other Net Income": "31,815", "Other Revenues": "7,608", "Professional Fees": "746", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,151,400", "Liabilities": "1,066,130", "Expenses": "27,408", "Revenues": "7,608", "Stockholders Equity": "85,270", "Net Income": "12,015", "Comprehensive Net Income": "-25,473", "BaseVar": "1,160,924", "ECR before LimitedLiability": "1.5%", "Economic Capital Ratio": "10.0%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,025,211", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "1,209", "Labor and Related Expense": "15,002", "Loans": "0", "Notes Receivable": "614,409", "Occupancy": "1,762", "Operating Expenses": "0", "Other Assets": "543,471", "Other Compr. Net Income": "11,695", "Other Expenses": "10,819", "Other Liabilities": "26,115", "Other Net Income": "33,701", "Other Revenues": "7,498", "Professional Fees": "693", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,157,880", "Liabilities": "1,052,535", "Expenses": "28,276", "Revenues": "7,498", "Stockholders Equity": "105,345", "Net Income": "12,923", "Comprehensive Net Income": "24,618", "BaseVar": "1,145,792", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } } }, "top_rated": false, "trend": 59.0, "value": 0.14584615766481307, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001070296.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001070296.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001070296.svg" }, { "company_id": "0001168455", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001168455.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001168455.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001168455.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001168455_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001168455_main_keyfigs.svg", "name": "Plumas Bancorp", "rank": 33, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001168455.svg", "report_text": "The relative strengths and weaknesses of Plumas Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Plumas Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.1% points.The greatest weakness of Plumas Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 18% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.61% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001168455_2024_Plumas_Bancorp.pdf", "shrinked_graph_json": { "2016": { "Liabilities": "-3.97", "Stockholders Equity": "-3.14", "ECR before LimitedLiability": "-2.88", "Deposits": "-17.1", "Other Liabilities": "4.70", "Debt": "3.99", "Expenses": "4.42", "Net Income": "1.13", "Selling and Marketing Expense": "1.08", "General and Administrative Expense": "1.20", "Labor and Related Expense": "0.637", "Other Expenses": "-1.48", "Operating Expenses": "3.35", "Other Revenues": "-3.89", "Revenues": "-3.89", "Cash and Cash Equivalents": "2.27", "Other Assets": "-5.64", "Notes Receivable": "-1.51", "Loans": "4.90", "Comprehensive Net Income": "1.10", "Economic Capital Ratio": "-4.15" }, "2017": { "Other Liabilities": "4.97", "Liabilities": "-3.37", "Stockholders Equity": "-3.26", "ECR before LimitedLiability": "-2.76", "Debt": "3.39", "Deposits": "-16.2", "Expenses": "3.62", "Net Income": "0.900", "Other Expenses": "-0.770", "Operating Expenses": "2.20", "Labor and Related Expense": "0.626", "Other Revenues": "-2.99", "Revenues": "-2.99", "Notes Receivable": "-1.41", "Securities": "-0.612", "Cash and Cash Equivalents": "3.32", "Other Assets": "-4.46", "Loans": "4.62", "Comprehensive Net Income": "0.991", "Other Net Income": "0.767", "Economic Capital Ratio": "-3.47" }, "2018": { "Liabilities": "-3.29", "Stockholders Equity": "-3.30", "ECR before LimitedLiability": "-2.91", "Deposits": "-14.8", "Other Liabilities": "5.38", "Debt": "2.90", "Expenses": "3.63", "Net Income": "1.11", "Labor and Related Expense": "0.540", "Other Expenses": "0.461", "Selling and Marketing Expense": "0.555", "Operating Expenses": "1.31", "Other Revenues": "-2.42", "Revenues": "-2.42", "Other Assets": "-3.04", "Notes Receivable": "-1.21", "Securities": "-0.487", "Cash and Cash Equivalents": "0.889", "Loans": "4.66", "Comprehensive Net Income": "1.06", "Economic Capital Ratio": "-3.18" }, "2019": { "Liabilities": "-2.40", "Stockholders Equity": "-2.05", "ECR before LimitedLiability": "-1.42", "Deposits": "-16.0", "Debt": "4.17", "Other Liabilities": "6.56", "Expenses": "2.86", "Net Income": "0.835", "Operating Expenses": "0.603", "Selling and Marketing Expense": "0.686", "Labor and Related Expense": "0.569", "Other Revenues": "-2.33", "Revenues": "-2.33", "Other Assets": "-3.26", "Cash and Cash Equivalents": "0.617", "Notes Receivable": "-2.07", "Loans": "6.53", "Securities": "-0.447", "Comprehensive Net Income": "1.15", "Other Net Income": "0.585", "Economic Capital Ratio": "-1.61" }, "2021": { "Other Liabilities": "5.14", "Liabilities": "-3.44", "Stockholders Equity": "-3.25", "ECR before LimitedLiability": "-5.06", "Deposits": "-17.2", "Debt": "3.62", "Selling and Marketing Expense": "0.692", "Expenses": "2.87", "Net Income": "-0.723", "Other Expenses": "-0.540", "Operating Expenses": "1.07", "General and Administrative Expense": "0.701", "Other Revenues": "-3.71", "Revenues": "-3.71", "Loans": "4.88", "Other Assets": "-4.38", "Notes Receivable": "-5.82", "Cash and Cash Equivalents": "5.06", "Comprehensive Net Income": "-0.741", "Other Net Income": "0.623", "Economic Capital Ratio": "-5.50" }, "2022": { "Deposits": "-18.8", "Liabilities": "-3.15", "Loans": "-10.4", "Stockholders Equity": "-3.48", "Other Liabilities": "3.75", "Debt": "2.75", "Expenses": "2.69", "Revenues": "-3.57", "Net Income": "0.889", "General and Administrative Expense": "0.787", "Other Expenses": "-0.998", "Selling and Marketing Expense": "0.838", "Operating Expenses": "1.63", "Other Revenues": "-3.57", "ECR before LimitedLiability": "-4.19", "Other Assets": "-1.45", "Cash and Cash Equivalents": "2.71", "Notes Receivable": "5.74", "Other Net Income": "1.90", "Economic Capital Ratio": "-4.66", "Other Compr. Net Income": "-1.36" }, "2023": { "Assets": "1.16", "Liabilities": "-3.09", "Stockholders Equity": "-1.71", "ECR before LimitedLiability": "1.30", "Notes Receivable": "4.92", "Loans": "-1.96", "Other Assets": "-0.767", "Other Liabilities": "6.11", "Deposits": "-18.1", "Debt": "4.29", "Expenses": "5.03", "Revenues": "-4.55", "Net Income": "2.29", "Other Expenses": "-1.46", "Operating Expenses": "3.27", "Selling and Marketing Expense": "1.11", "General and Administrative Expense": "1.35", "Other Revenues": "-4.55", "Other Net Income": "2.83", "Comprehensive Net Income": "2.38", "Economic Capital Ratio": "-0.608" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001168455_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "62,646", "Debt": "0", "Deposits": "582,353", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "456,580", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "138,749", "Other Compr. Net Income": "-930", "Other Expenses": "4,759", "Other Liabilities": "27,628", "Other Net Income": "12,233", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "657,975", "Liabilities": "609,981", "Expenses": "4,759", "Revenues": "0", "Stockholders Equity": "47,994", "Net Income": "7,474", "Comprehensive Net Income": "6,544", "BaseVar": "642,939", "ECR before LimitedLiability": "4.8%", "Economic Capital Ratio": "13%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "87,537", "Debt": "0", "Deposits": "662,657", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "482,248", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "175,642", "Other Compr. Net Income": "496", "Other Expenses": "7,316", "Other Liabilities": "27,070", "Other Net Income": "15,505", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "745,427", "Liabilities": "689,727", "Expenses": "7,316", "Revenues": "0", "Stockholders Equity": "55,700", "Net Income": "8,189", "Comprehensive Net Income": "8,685", "BaseVar": "729,236", "ECR before LimitedLiability": "5.1%", "Economic Capital Ratio": "13%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "46,686", "Debt": "0", "Deposits": "726,565", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "562,498", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "215,214", "Other Compr. Net Income": "-1,447", "Other Expenses": "5,134", "Other Liabilities": "30,901", "Other Net Income": "19,126", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "824,398", "Liabilities": "757,466", "Expenses": "5,134", "Revenues": "0", "Stockholders Equity": "66,932", "Net Income": "13,992", "Comprehensive Net Income": "12,545", "BaseVar": "803,786", "ECR before LimitedLiability": "5.8%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "46,942", "Debt": "0", "Deposits": "747,324", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "616,036", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "202,213", "Other Compr. Net Income": "4,066", "Other Expenses": "5,868", "Other Liabilities": "33,362", "Other Net Income": "21,380", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "865,191", "Liabilities": "780,686", "Expenses": "5,868", "Revenues": "0", "Stockholders Equity": "84,505", "Net Income": "15,512", "Comprehensive Net Income": "19,578", "BaseVar": "838,596", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "380,584", "Debt": "0", "Deposits": "1,438,999", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "12,792", "Loans": "829,385", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "404,105", "Other Compr. Net Income": "-3,145", "Other Expenses": "20,724", "Other Liabilities": "40,993", "Other Net Income": "50,944", "Other Revenues": "380", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,614,074", "Liabilities": "1,479,992", "Expenses": "33,516", "Revenues": "380", "Stockholders Equity": "134,082", "Net Income": "17,808", "Comprehensive Net Income": "14,663", "BaseVar": "1,591,026", "ECR before LimitedLiability": "5.3%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "183,426", "Debt": "0", "Deposits": "1,457,809", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "17,451", "Loans": "0", "Notes Receivable": "903,968", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "533,650", "Other Compr. Net Income": "-38,356", "Other Expenses": "24,364", "Other Liabilities": "44,231", "Other Net Income": "64,511", "Other Revenues": "391", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,621,044", "Liabilities": "1,502,040", "Expenses": "41,815", "Revenues": "391", "Stockholders Equity": "119,004", "Net Income": "23,087", "Comprehensive Net Income": "-15,269", "BaseVar": "1,634,078", "ECR before LimitedLiability": "2.8%", "Economic Capital Ratio": "11%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "85,655", "Debt": "0", "Deposits": "1,333,655", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "20,320", "Loans": "0", "Notes Receivable": "948,604", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "576,157", "Other Compr. Net Income": "4,292", "Other Expenses": "27,645", "Other Liabilities": "129,444", "Other Net Income": "73,635", "Other Revenues": "417", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,610,416", "Liabilities": "1,463,099", "Expenses": "47,965", "Revenues": "417", "Stockholders Equity": "147,317", "Net Income": "26,087", "Comprehensive Net Income": "30,379", "BaseVar": "1,599,912", "ECR before LimitedLiability": "6.8%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 50.0, "value": 0.14413288379366668, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001168455.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001168455.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001168455.svg" }, { "company_id": "0001552493", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001552493.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001552493.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001552493.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001552493_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001552493_main_keyfigs.svg", "name": "CNH Industrial Capital LLC", "rank": 34, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001552493.svg", "report_text": "The relative strengths and weaknesses of CNH Industrial Capital LLC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of CNH Industrial Capital LLC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 9.2% points.The greatest weakness of CNH Industrial Capital LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 45% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.67% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001552493_2024_CNH_Industrial_Capital_LLC.pdf", "shrinked_graph_json": { "2017": { "Notes Receivable": "-1.32", "Assets": "-1.31", "Liabilities": "-0.958", "Stockholders Equity": "-2.28", "ECR before LimitedLiability": "-0.755", "Securities": "-0.570", "Cash and Cash Equivalents": "-1.00", "Other Assets": "-5.19", "Loans": "6.93", "Other Liabilities": "-50.4", "Debt": "3.31", "Deposits": "10.6", "Other Revenues": "2.55", "Revenues": "2.55", "Net Income": "1.45", "Comprehensive Net Income": "1.76", "Selling and Marketing Expense": "0.532", "Labor and Related Expense": "0.597", "Other Net Income": "-0.952", "Interest Expense": "-1.69", "Economic Capital Ratio": "-1.46" }, "2018": { "Other Assets": "-4.66", "Assets": "-1.66", "Liabilities": "-0.968", "Stockholders Equity": "-2.65", "ECR before LimitedLiability": "-2.43", "Notes Receivable": "-1.23", "Cash and Cash Equivalents": "-0.876", "Loans": "5.82", "Deposits": "10.3", "Other Liabilities": "-51.0", "Debt": "2.99", "Expenses": "-0.617", "Revenues": "3.19", "Net Income": "0.669", "Interest Expense": "-1.85", "Other Expenses": "0.749", "Selling and Marketing Expense": "0.570", "Operating Expenses": "-0.932", "Other Revenues": "3.19", "Other Net Income": "-1.62", "Economic Capital Ratio": "-2.70" }, "2019": { "Other Assets": "-4.22", "Assets": "-1.60", "Liabilities": "-0.702", "Stockholders Equity": "-2.36", "ECR before LimitedLiability": "-2.13", "Cash and Cash Equivalents": "-0.954", "Notes Receivable": "-2.24", "Loans": "6.04", "Securities": "-0.488", "Deposits": "10.1", "Debt": "4.50", "Other Liabilities": "-51.5", "Expenses": "-1.25", "Operating Expenses": "-1.58", "Selling and Marketing Expense": "0.744", "Labor and Related Expense": "0.618", "Interest Expense": "-1.94", "Other Revenues": "3.32", "Revenues": "3.32", "Economic Capital Ratio": "-2.32", "Other Net Income": "-1.44" }, "2020": { "Notes Receivable": "-4.92", "Assets": "-1.35", "Liabilities": "-1.58", "Stockholders Equity": "-2.84", "ECR before LimitedLiability": "-3.23", "Other Assets": "-4.35", "Loans": "7.49", "Cash and Cash Equivalents": "-0.990", "Other Liabilities": "-46.8", "Deposits": "9.64", "Debt": "3.61", "Other Revenues": "2.24", "Revenues": "2.24", "Economic Capital Ratio": "-3.57", "Other Net Income": "-1.65", "General and Administrative Expense": "0.516", "Selling and Marketing Expense": "0.664", "Operating Expenses": "-1.29", "Labor and Related Expense": "0.842", "Other Expenses": "0.403", "Interest Expense": "-1.55" }, "2021": { "Assets": "-0.777", "Expenses": "0.612", "Stockholders Equity": "-2.50", "ECR before LimitedLiability": "-3.35", "Loans": "9.46", "Other Assets": "-4.83", "Notes Receivable": "-5.57", "Cash and Cash Equivalents": "-1.12", "Other Liabilities": "-51.4", "Liabilities": "-1.87", "Deposits": "10.4", "Debt": "3.51", "Selling and Marketing Expense": "0.657", "Operating Expenses": "-0.892", "Labor and Related Expense": "1.01", "Interest Expense": "-1.04", "General and Administrative Expense": "0.666", "Other Revenues": "1.30", "Revenues": "1.30", "Economic Capital Ratio": "-3.79", "Other Net Income": "-1.89" }, "2022": { "Deposits": "9.57", "Liabilities": "-1.98", "Stockholders Equity": "-2.12", "ECR before LimitedLiability": "-0.927", "Other Liabilities": "-48.1", "Debt": "4.23", "Labor and Related Expense": "1.17", "Expenses": "1.13", "Net Income": "0.977", "General and Administrative Expense": "0.682", "Selling and Marketing Expense": "0.726", "Interest Expense": "-1.26", "Other Revenues": "1.53", "Revenues": "1.53", "Loans": "12.3", "Other Assets": "-6.04", "Cash and Cash Equivalents": "-0.632", "Notes Receivable": "-7.92", "Comprehensive Net Income": "1.53", "Other Net Income": "-1.57", "Economic Capital Ratio": "-1.40" }, "2023": { "Assets": "0.500", "Liabilities": "-2.15", "Stockholders Equity": "-1.48", "ECR before LimitedLiability": "1.24", "Notes Receivable": "9.16", "Loans": "-2.01", "Other Assets": "-7.52", "Cash and Cash Equivalents": "-0.993", "Other Liabilities": "-44.6", "Deposits": "9.12", "Debt": "4.40", "Interest Expense": "-2.31", "Expenses": "2.88", "Other Net Income": "-1.04", "Net Income": "2.07", "Labor and Related Expense": "1.17", "Operating Expenses": "1.86", "Selling and Marketing Expense": "1.14", "General and Administrative Expense": "1.38", "Comprehensive Net Income": "1.93", "Economic Capital Ratio": "-0.667" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001552493_strength_weakness.svg", "table_records": { "2017": { "input_variables": { "Cash and Cash Equivalents": "226,946", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "322,570", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "10,461,733", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "412,921", "Other Assets": "2,823,399", "Other Compr. Net Income": "43,973", "Other Expenses": "-47,048", "Other Liabilities": "12,136,439", "Other Net Income": "0", "Other Revenues": "938,932", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "13,512,078", "Liabilities": "12,136,439", "Expenses": "688,443", "Revenues": "938,932", "Stockholders Equity": "1,375,639", "Net Income": "250,489", "Comprehensive Net Income": "294,462", "BaseVar": "13,659,932", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "160,328", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "325,280", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "9,950,926", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "354,757", "Other Assets": "2,820,658", "Other Compr. Net Income": "-46,836", "Other Expenses": "41,472", "Other Liabilities": "11,576,180", "Other Net Income": "0", "Other Revenues": "878,354", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "12,931,912", "Liabilities": "11,576,180", "Expenses": "721,509", "Revenues": "878,354", "Stockholders Equity": "1,355,732", "Net Income": "156,845", "Comprehensive Net Income": "110,009", "BaseVar": "13,077,396", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "174,966", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "347,273", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "9,835,274", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "360,402", "Other Assets": "2,843,847", "Other Compr. Net Income": "23,200", "Other Expenses": "44,211", "Other Liabilities": "11,591,046", "Other Net Income": "0", "Other Revenues": "900,889", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "12,854,087", "Liabilities": "11,591,046", "Expenses": "751,886", "Revenues": "900,889", "Stockholders Equity": "1,263,041", "Net Income": "149,003", "Comprehensive Net Income": "172,203", "BaseVar": "13,060,554", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "392,929", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "279,958", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "8,896,811", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "377,657", "Other Assets": "3,161,429", "Other Compr. Net Income": "4,161", "Other Expenses": "43,512", "Other Liabilities": "11,190,997", "Other Net Income": "0", "Other Revenues": "844,407", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "12,451,169", "Liabilities": "11,190,997", "Expenses": "701,127", "Revenues": "844,407", "Stockholders Equity": "1,260,172", "Net Income": "143,280", "Comprehensive Net Income": "147,441", "BaseVar": "12,595,930", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "426,917", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "195,778", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "8,951,299", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "293,256", "Other Assets": "2,809,552", "Other Compr. 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Net Income": "-26,376", "Other Expenses": "70,880", "Other Liabilities": "11,871,780", "Other Net Income": "0", "Other Revenues": "791,835", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "13,179,479", "Liabilities": "11,871,780", "Expenses": "572,713", "Revenues": "791,835", "Stockholders Equity": "1,307,699", "Net Income": "219,122", "Comprehensive Net Income": "192,746", "BaseVar": "13,221,092", "ECR before LimitedLiability": "6.8%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "390,110", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "534,239", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "13,455,717", "Occupancy": "0", "Operating Expenses": "261,386", "Other Assets": "2,117,700", "Other Compr. 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We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Axos Financial Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.7% points.The greatest weakness of Axos Financial Inc is the variable Deposits, reducing the Economic Capital Ratio by 20% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.81% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001299709_2024_Axos_Financial_Inc.pdf", "shrinked_graph_json": { "2016": { "Liabilities": "-3.27", "Stockholders Equity": "-2.37", "ECR before LimitedLiability": "-1.62", "Deposits": "-12.0", "Other Liabilities": "4.87", "Debt": "3.84", "Expenses": "4.85", "Net Income": "1.45", "Selling and Marketing Expense": "1.03", "General and Administrative Expense": "1.14", "Other Expenses": "-1.72", "Operating Expenses": "3.17", "Other Revenues": "-3.73", "Revenues": "-3.73", "Cash and Cash Equivalents": "-1.58", "Other Assets": "-6.60", "Notes Receivable": "-1.41", "Loans": "8.32", "Comprehensive Net Income": "1.57", "Other Net Income": "1.12", "Economic Capital Ratio": "-2.89" }, "2023": { "Assets": "2.31", "Liabilities": "-3.93", "Stockholders Equity": "-1.49", "ECR before LimitedLiability": "1.09", "Notes Receivable": "8.74", "Loans": "-1.94", "Other Assets": "-8.59", "Cash and Cash Equivalents": "2.86", "Other Liabilities": "6.10", "Deposits": "-20.0", "Debt": "3.36", "Expenses": "5.80", "Revenues": "-4.49", "Net Income": "2.19", "Labor and Related Expense": "1.12", "Operating Expenses": "3.21", "Selling and Marketing Expense": "1.09", "General and Administrative Expense": "1.32", "Other Revenues": "-4.49", "Comprehensive Net Income": "2.03", "Economic Capital Ratio": "-0.810" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001299709_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "6,044,051", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "1,667", "Labor and Related Expense": "0", "Loans": "6,354,679", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,244,625", "Other Compr. Net Income": "2,095", "Other Expenses": "85,604", "Other Liabilities": "869,996", "Other Net Income": "204,895", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "7,599,304", "Liabilities": "6,915,714", "Expenses": "85,604", "Revenues": "0", "Stockholders Equity": "683,590", "Net Income": "119,291", "Comprehensive Net Income": "121,386", "BaseVar": "7,403,806", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "2,382,086", "Debt": "361,779", "Deposits": "17,123,108", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "16,456,728", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,509,655", "Other Compr. Net Income": "-3,677", "Other Expenses": "124,579", "Other Liabilities": "946,423", "Other Net Income": "431,744", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "20,348,469", "Liabilities": "18,431,310", "Expenses": "124,579", "Revenues": "0", "Stockholders Equity": "1,917,159", "Net Income": "307,165", "Comprehensive Net Income": "303,488", "BaseVar": "19,669,890", "ECR before LimitedLiability": "6.5%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": null, "value": 0.14211350712614246, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001299709.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001299709.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001299709.svg" }, { "company_id": "0001303942", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001303942.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001303942.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001303942.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001303942_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001303942_main_keyfigs.svg", "name": "Bankfinancial CORP", "rank": 36, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001303942.svg", "report_text": "The relative strengths and weaknesses of Bankfinancial CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Bankfinancial CORP compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 6.5% points.The greatest weakness of Bankfinancial CORP is the variable Deposits, reducing the Economic Capital Ratio by 20% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.88% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001303942_2024_Bankfinancial_CORP.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "0.668", "Assets": "1.97", "Liabilities": "-2.91", "Stockholders Equity": "-0.783", "ECR before LimitedLiability": "-0.963", "Securities": "2.13", "Other Assets": "13.1", "Notes Receivable": "-1.34", "Loans": "-13.5", "Deposits": "-15.6", "Other Liabilities": "6.35", "Debt": "3.69", "Expenses": "5.43", "Revenues": "-3.60", "Comprehensive Net Income": "0.579", "Selling and Marketing Expense": "0.980", "General and Administrative Expense": "1.09", "Other Expenses": "-1.04", "Operating Expenses": "3.02", "Other Revenues": "-3.60", "Economic Capital Ratio": "-2.23" }, "2017": { "Notes Receivable": "-1.28", "Assets": "1.11", "Liabilities": "-2.51", "Stockholders Equity": "-1.21", "ECR before LimitedLiability": "-1.21", "Securities": "1.70", "Cash and Cash Equivalents": "1.43", "Other Assets": "13.1", "Loans": "-14.3", "Other Liabilities": "6.22", "Debt": "3.18", "Deposits": "-14.1", "Expenses": "3.80", "Revenues": "-2.79", "Comprehensive Net Income": "0.433", "Selling and Marketing Expense": "0.513", "Operating Expenses": "2.02", "Labor and Related Expense": "0.577", "General and Administrative Expense": "0.465", "Other Revenues": "-2.79", "Economic Capital Ratio": "-1.91" }, "2018": { "Liabilities": "-1.65", "Stockholders Equity": "-1.88", "ECR before LimitedLiability": "-1.60", "Deposits": "-13.7", "Other Liabilities": "6.59", "Debt": "2.82", "Expenses": "1.37", "Net Income": "0.618", "Labor and Related Expense": "-0.635", "Selling and Marketing Expense": "0.490", "Operating Expenses": "1.26", "Other Revenues": "-2.09", "Revenues": "-2.09", "Other Assets": "13.7", "Notes Receivable": "-1.14", "Securities": "1.68", "Cash and Cash Equivalents": "1.05", "Loans": "-15.6", "Comprehensive Net Income": "0.717", "Other Net Income": "1.52", "Economic Capital Ratio": "-1.87" }, "2019": { "Liabilities": "-1.46", "Stockholders Equity": "-1.39", "ECR before LimitedLiability": "-1.81", "Deposits": "-15.9", "Debt": "4.29", "Other Liabilities": "6.29", "General and Administrative Expense": "0.371", "Expenses": "1.01", "Occupancy": "-0.308", "Operating Expenses": "0.624", "Selling and Marketing Expense": "0.672", "Labor and Related Expense": "-0.572", "Other Revenues": "-2.20", "Revenues": "-2.20", "Other Assets": "12.8", "Cash and Cash Equivalents": "3.90", "Notes Receivable": "-2.14", "Loans": "-15.0", "Securities": "1.10", "Economic Capital Ratio": "-2.00", "Other Net Income": "1.33" }, "2020": { "Other Liabilities": "6.09", "Liabilities": "-2.61", "Stockholders Equity": "-2.38", "ECR before LimitedLiability": "-3.42", "Deposits": "-18.7", "Debt": "3.52", "Expenses": "2.12", "Net Income": "-0.323", "General and Administrative Expense": "0.503", "Selling and Marketing Expense": "0.618", "Operating Expenses": "1.16", "Occupancy": "-0.314", "Other Revenues": "-2.94", "Revenues": "-2.94", "Notes Receivable": "-4.82", "Other Assets": "-9.61", "Loans": "6.20", "Cash and Cash Equivalents": "6.87", "Comprehensive Net Income": "-0.299", "Other Net Income": "0.803", "Economic Capital Ratio": "-3.76" }, "2021": { "Other Liabilities": "5.11", "Liabilities": "-3.21", "Stockholders Equity": "-2.89", "ECR before LimitedLiability": "-5.04", "Deposits": "-16.4", "Debt": "3.62", "Selling and Marketing Expense": "0.653", "Expenses": "2.41", "Net Income": "-1.26", "Operating Expenses": "1.07", "General and Administrative Expense": "0.701", "Other Revenues": "-3.57", "Revenues": "-3.57", "Securities": "1.78", "Loans": "6.09", "Other Assets": "-9.88", "Notes Receivable": "-5.82", "Cash and Cash Equivalents": "5.83", "Comprehensive Net Income": "-1.13", "Other Net Income": "0.289", "Economic Capital Ratio": "-5.48" }, "2022": { "Loans": "11.0", "Assets": "0.407", "Liabilities": "-2.82", "Stockholders Equity": "-2.22", "ECR before LimitedLiability": "-2.04", "Other Assets": "-9.23", "Securities": "4.86", "Notes Receivable": "-8.08", "Deposits": "-18.5", "Other Liabilities": "5.33", "Debt": "4.32", "Expenses": "2.51", "Revenues": "-3.05", "Comprehensive Net Income": "0.544", "General and Administrative Expense": "0.705", "Selling and Marketing Expense": "0.712", "Operating Expenses": "1.46", "Other Revenues": "-3.05", "Other Compr. Net Income": "0.378", "Other Net Income": "1.09", "Economic Capital Ratio": "-2.52" }, "2023": { "Securities": "5.40", "Assets": "1.59", "Liabilities": "-2.93", "Stockholders Equity": "-1.19", "ECR before LimitedLiability": "1.03", "Notes Receivable": "6.47", "Loans": "-1.98", "Other Assets": "-9.40", "Cash and Cash Equivalents": "2.98", "Other Liabilities": "6.08", "Deposits": "-20.1", "Debt": "4.32", "Expenses": "4.86", "Revenues": "-4.41", "Net Income": "1.44", "Operating Expenses": "3.30", "Selling and Marketing Expense": "1.07", "General and Administrative Expense": "1.36", "Other Revenues": "-4.41", "Other Net Income": "1.94", "Comprehensive Net Income": "1.50", "Economic Capital Ratio": "-0.875" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001303942_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "96,684", "Debt": "0", "Deposits": "1,339,390", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,416,141", "Other Compr. Net Income": "0", "Other Expenses": "4,698", "Other Liabilities": "75,867", "Other Net Income": "12,200", "Other Revenues": "0", "Professional Fees": "0", "Securities": "107,212", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,620,037", "Liabilities": "1,415,257", "Expenses": "4,698", "Revenues": "0", "Stockholders Equity": "204,780", "Net Income": "7,502", "Comprehensive Net Income": "7,502", "BaseVar": "1,526,096", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "15%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "127,592", "Debt": "0", "Deposits": "1,340,051", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,404,583", "Other Compr. Net Income": "0", "Other Expenses": "7,190", "Other Liabilities": "87,873", "Other Net Income": "16,194", "Other Revenues": "0", "Professional Fees": "0", "Securities": "93,383", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,625,558", "Liabilities": "1,427,924", "Expenses": "7,190", "Revenues": "0", "Stockholders Equity": "197,634", "Net Income": "9,004", "Comprehensive Net Income": "9,004", "BaseVar": "1,538,433", "ECR before LimitedLiability": "7.1%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "98,204", "Debt": "0", "Deposits": "1,352,484", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "22,987", "Loans": "0", "Notes Receivable": "0", "Occupancy": "6,817", "Operating Expenses": "0", "Other Assets": "1,398,942", "Other Compr. Net Income": "0", "Other Expenses": "16,808", "Other Liabilities": "45,691", "Other Net Income": "60,334", "Other Revenues": "5,531", "Professional Fees": "0", "Securities": "88,179", "Selling and Marketing Expense": "848" }, "output_variables": { "Assets": "1,585,325", "Liabilities": "1,398,175", "Expenses": "47,460", "Revenues": "5,531", "Stockholders Equity": "187,150", "Net Income": "18,405", "Comprehensive Net Income": "18,405", "BaseVar": "1,548,412", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "190,325", "Debt": "0", "Deposits": "1,284,757", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "21,266", "Loans": "0", "Notes Receivable": "0", "Occupancy": "7,069", "Operating Expenses": "0", "Other Assets": "1,237,497", "Other Compr. Net Income": "0", "Other Expenses": "13,874", "Other Liabilities": "28,886", "Other Net Income": "49,609", "Other Revenues": "3,980", "Professional Fees": "0", "Securities": "60,193", "Selling and Marketing Expense": "657" }, "output_variables": { "Assets": "1,488,015", "Liabilities": "1,313,643", "Expenses": "42,866", "Revenues": "3,980", "Stockholders Equity": "174,372", "Net Income": "10,723", "Comprehensive Net Income": "10,723", "BaseVar": "1,449,056", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "503,496", "Debt": "0", "Deposits": "1,393,544", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "21,323", "Loans": "1,002,578", "Notes Receivable": "0", "Occupancy": "7,361", "Operating Expenses": "0", "Other Assets": "66,939", "Other Compr. Net Income": "-13", "Other Expenses": "11,431", "Other Liabilities": "30,368", "Other Net Income": "47,438", "Other Revenues": "3,760", "Professional Fees": "1,356", "Securities": "23,829", "Selling and Marketing Expense": "564" }, "output_variables": { "Assets": "1,596,842", "Liabilities": "1,423,912", "Expenses": "42,035", "Revenues": "3,760", "Stockholders Equity": "172,930", "Net Income": "9,163", "Comprehensive Net Income": "9,150", "BaseVar": "1,557,000", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "502,162", "Debt": "0", "Deposits": "1,488,431", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "22,638", "Loans": "1,044,207", "Notes Receivable": "0", "Occupancy": "7,524", "Operating Expenses": "0", "Other Assets": "68,619", "Other Compr. Net Income": "-133", "Other Expenses": "11,051", "Other Liabilities": "54,785", "Other Net Income": "46,914", "Other Revenues": "3,787", "Professional Fees": "1,336", "Securities": "85,694", "Selling and Marketing Expense": "742" }, "output_variables": { "Assets": "1,700,682", "Liabilities": "1,543,216", "Expenses": "43,291", "Revenues": "3,787", "Stockholders Equity": "157,466", "Net Income": "7,410", "Comprehensive Net Income": "7,277", "BaseVar": "1,669,012", "ECR before LimitedLiability": "5.3%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "66,771", "Debt": "0", "Deposits": "1,374,934", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "21,576", "Loans": "1,226,743", "Notes Receivable": "0", "Occupancy": "7,981", "Operating Expenses": "0", "Other Assets": "71,285", "Other Compr. Net Income": "-6,192", "Other Expenses": "12,930", "Other Liabilities": "48,532", "Other Net Income": "50,729", "Other Revenues": "4,234", "Professional Fees": "1,292", "Securities": "210,338", "Selling and Marketing Expense": "690" }, "output_variables": { "Assets": "1,575,137", "Liabilities": "1,423,466", "Expenses": "44,469", "Revenues": "4,234", "Stockholders Equity": "151,671", "Net Income": "10,494", "Comprehensive Net Income": "4,302", "BaseVar": "1,552,114", "ECR before LimitedLiability": "5.3%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "178,484", "Debt": "0", "Deposits": "1,261,623", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "22,232", "Loans": "0", "Notes Receivable": "1,050,761", "Occupancy": "8,052", "Operating Expenses": "0", "Other Assets": "75,423", "Other Compr. Net Income": "3,487", "Other Expenses": "14,766", "Other Liabilities": "70,378", "Other Net Income": "52,537", "Other Revenues": "3,998", "Professional Fees": "1,330", "Securities": "182,716", "Selling and Marketing Expense": "762" }, "output_variables": { "Assets": "1,487,384", "Liabilities": "1,332,001", "Expenses": "47,142", "Revenues": "3,998", "Stockholders Equity": "155,383", "Net Income": "9,393", "Comprehensive Net Income": "12,880", "BaseVar": "1,463,274", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 23.0, "value": 0.14145982577295635, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001303942.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001303942.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001303942.svg" }, { "company_id": "0001114927", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001114927.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001114927.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001114927.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001114927_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001114927_main_keyfigs.svg", "name": "First Northern Community Bancorp", "rank": 37, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001114927.svg", "report_text": "The relative strengths and weaknesses of First Northern Community Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of First Northern Community Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.3% points.The greatest weakness of First Northern Community Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 25% points.

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_savings/2023/report/0001114927_2024_First_Northern_Community_Bancorp.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "4.27", "Assets": "0.925", "Liabilities": "-4.03", "Stockholders Equity": "-2.88", "Other Assets": "-3.23", "Notes Receivable": "-1.51", "Loans": "3.18", "Deposits": "-19.3", "Other Liabilities": "4.85", "Debt": "3.99", "Expenses": "4.32", "Revenues": "-3.89", "Net Income": "0.739", "Selling and Marketing Expense": "1.08", "General and Administrative Expense": "1.20", "Other Expenses": "-1.24", "Operating Expenses": "3.35", "Other Revenues": "-3.89", "ECR before LimitedLiability": "-3.00", "Comprehensive Net Income": "0.688", "Economic Capital Ratio": "-4.27" }, "2017": { "Other Liabilities": "5.05", "Liabilities": "-3.39", "Stockholders Equity": "-2.96", "ECR before LimitedLiability": "-2.91", "Debt": "3.40", "Deposits": "-17.9", "Expenses": "3.92", "Revenues": "-3.00", "Net Income": "0.572", "Selling and Marketing Expense": "0.559", "Other Expenses": "-0.529", "Operating Expenses": "2.21", "Labor and Related Expense": "0.627", "General and Administrative Expense": "0.506", "Other Revenues": "-3.00", "Notes Receivable": "-1.41", "Securities": "-0.615", "Cash and Cash Equivalents": "3.81", "Other Assets": "-3.44", "Loans": "3.17", "Economic Capital Ratio": "-3.62" }, "2018": { "Liabilities": "-3.34", "Stockholders Equity": "-2.94", "ECR before LimitedLiability": "-3.00", "Deposits": "-16.5", "Other Liabilities": "5.47", "Debt": "2.88", "Expenses": "3.85", "Net Income": "0.519", "Labor and Related Expense": "0.538", "Other Expenses": "0.663", "Selling and Marketing Expense": "0.554", "Operating Expenses": "1.31", "Other Revenues": "-2.41", "Revenues": "-2.41", "Other Assets": "-1.77", "Notes Receivable": "-1.20", "Securities": "-0.487", "Cash and Cash Equivalents": "2.53", "Loans": "1.53", "Comprehensive Net Income": "0.578", "Economic Capital Ratio": "-3.27" }, "2019": { "Other Assets": "-0.440", "Assets": "0.470", "Liabilities": "-2.53", "Stockholders Equity": "-1.84", "ECR before LimitedLiability": "-1.77", "Cash and Cash Equivalents": "1.96", "Notes Receivable": "-2.09", "Loans": "1.93", "Securities": "-0.454", "Deposits": "-17.5", "Debt": "4.19", "Other Liabilities": "6.32", "General and Administrative Expense": "0.362", "Expenses": "3.11", "Revenues": "-2.34", "Comprehensive Net Income": "0.568", "Operating Expenses": "0.609", "Selling and Marketing Expense": "0.693", "Labor and Related Expense": "0.575", "Other Revenues": "-2.34", "Economic Capital Ratio": "-1.96" }, "2020": { "Notes Receivable": "-4.81", "Assets": "0.533", "Liabilities": "-3.79", "Expenses": "4.36", "Stockholders Equity": "-2.96", "ECR before LimitedLiability": "-3.80", "Other Assets": "-2.13", "Loans": "5.23", "Cash and Cash Equivalents": "4.91", "Other Liabilities": "5.77", "Deposits": "-20.4", "Debt": "3.48", "General and Administrative Expense": "0.501", "Selling and Marketing Expense": "0.645", "Operating Expenses": "1.15", "Labor and Related Expense": "0.818", "Other Expenses": "0.443", "Other Revenues": "-3.09", "Revenues": "-3.09", "Economic Capital Ratio": "-4.14", "Other Net Income": "-0.806" }, "2021": { "Assets": "0.599", "Liabilities": "-4.26", "Stockholders Equity": "-3.38", "Loans": "-10.7", "Notes Receivable": "6.19", "Cash and Cash Equivalents": "4.11", "Other Liabilities": "4.65", "Deposits": "-18.9", "Debt": "3.64", "Selling and Marketing Expense": "0.702", "Expenses": "4.06", "Revenues": "-3.78", "Net Income": "-1.02", "Operating Expenses": "1.09", "Labor and Related Expense": "1.08", "General and Administrative Expense": "0.712", "Other Revenues": "-3.78", "ECR before LimitedLiability": "-5.78", "Comprehensive Net Income": "-1.28", "Other Net Income": "-1.17", "Economic Capital Ratio": "-6.22" }, "2022": { "Deposits": "-21.0", "Liabilities": "-4.38", "Loans": "-10.5", "Stockholders Equity": "-3.71", "Other Liabilities": "3.31", "Debt": "2.05", "Labor and Related Expense": "1.36", "Expenses": "2.15", "Revenues": "-3.62", "Comprehensive Net Income": "-0.989", "General and Administrative Expense": "0.792", "Selling and Marketing Expense": "0.843", "Operating Expenses": "1.64", "Other Revenues": "-3.62", "ECR before LimitedLiability": "-4.95", "Other Assets": "1.30", "Cash and Cash Equivalents": "1.95", "Notes Receivable": "4.52", "Other Compr. Net Income": "-1.33", "Other Net Income": "-0.768", "Economic Capital Ratio": "-5.42" }, "2023": { "Assets": "2.12", "Liabilities": "-4.15", "Stockholders Equity": "-1.85", "ECR before LimitedLiability": "0.977", "Notes Receivable": "4.17", "Loans": "-1.95", "Cash and Cash Equivalents": "1.20", "Other Liabilities": "6.30", "Deposits": "-24.9", "Debt": "4.22", "Expenses": "5.70", "Revenues": "-4.50", "Net Income": "1.87", "Labor and Related Expense": "1.13", "Other Expenses": "-0.472", "Operating Expenses": "3.23", "Selling and Marketing Expense": "1.09", "General and Administrative Expense": "1.33", "Other Revenues": "-4.50", "Comprehensive Net Income": "2.34", "Economic Capital Ratio": "-0.926" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001114927_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "159,643", "Debt": "0", "Deposits": "1,063,696", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "669,770", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "337,350", "Other Compr. Net Income": "-1,855", "Other Expenses": "4,885", "Other Liabilities": "10,769", "Other Net Income": "12,936", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,166,763", "Liabilities": "1,074,465", "Expenses": "4,885", "Revenues": "0", "Stockholders Equity": "92,298", "Net Income": "8,051", "Comprehensive Net Income": "6,196", "BaseVar": "1,130,452", "ECR before LimitedLiability": "4.7%", "Economic Capital Ratio": "13%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "152,892", "Debt": "0", "Deposits": "1,104,740", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "739,112", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "325,654", "Other Compr. Net Income": "-1,448", "Other Expenses": "8,318", "Other Liabilities": "12,874", "Other Net Income": "17,066", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,217,658", "Liabilities": "1,117,614", "Expenses": "8,318", "Revenues": "0", "Stockholders Equity": "100,044", "Net Income": "8,748", "Comprehensive Net Income": "7,300", "BaseVar": "1,181,052", "ECR before LimitedLiability": "4.9%", "Economic Capital Ratio": "13%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "116,032", "Debt": "0", "Deposits": "1,124,612", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "763,393", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "370,420", "Other Compr. Net Income": "-639", "Other Expenses": "4,744", "Other Liabilities": "12,772", "Other Net Income": "17,295", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,249,845", "Liabilities": "1,137,384", "Expenses": "4,744", "Revenues": "0", "Stockholders Equity": "112,461", "Net Income": "12,551", "Comprehensive Net Income": "11,912", "BaseVar": "1,204,954", "ECR before LimitedLiability": "5.7%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "111,493", "Debt": "0", "Deposits": "1,138,632", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "768,873", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "412,225", "Other Compr. Net Income": "5,170", "Other Expenses": "5,670", "Other Liabilities": "21,044", "Other Net Income": "20,391", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,292,591", "Liabilities": "1,159,676", "Expenses": "5,670", "Revenues": "0", "Stockholders Equity": "132,915", "Net Income": "14,721", "Comprehensive Net Income": "19,891", "BaseVar": "1,241,749", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "267,177", "Debt": "0", "Deposits": "1,478,162", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "875,830", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "512,369", "Other Compr. Net Income": "4,904", "Other Expenses": "4,501", "Other Liabilities": "26,557", "Other Net Income": "16,662", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,655,376", "Liabilities": "1,504,719", "Expenses": "4,501", "Revenues": "0", "Stockholders Equity": "150,657", "Net Income": "12,161", "Comprehensive Net Income": "17,065", "BaseVar": "1,593,081", "ECR before LimitedLiability": "5.8%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "345,929", "Debt": "0", "Deposits": "1,728,302", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "852,717", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "700,441", "Other Compr. Net Income": "-9,235", "Other Expenses": "5,240", "Other Liabilities": "19,874", "Other Net Income": "19,426", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,899,087", "Liabilities": "1,748,176", "Expenses": "5,240", "Revenues": "0", "Stockholders Equity": "150,911", "Net Income": "14,186", "Comprehensive Net Income": "4,951", "BaseVar": "1,840,582", "ECR before LimitedLiability": "4.4%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "187,417", "Debt": "0", "Deposits": "1,726,874", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "970,138", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "713,806", "Other Compr. Net Income": "-42,331", "Other Expenses": "5,782", "Other Liabilities": "19,447", "Other Net Income": "21,666", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,871,361", "Liabilities": "1,746,321", "Expenses": "5,782", "Revenues": "0", "Stockholders Equity": "125,040", "Net Income": "15,884", "Comprehensive Net Income": "-26,447", "BaseVar": "1,843,730", "ECR before LimitedLiability": "2.0%", "Economic Capital Ratio": "10%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "149,211", "Debt": "0", "Deposits": "1,692,444", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,052,465", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "670,156", "Other Compr. Net Income": "12,801", "Other Expenses": "8,092", "Other Liabilities": "20,143", "Other Net Income": "29,646", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,871,832", "Liabilities": "1,712,587", "Expenses": "8,092", "Revenues": "0", "Stockholders Equity": "159,245", "Net Income": "21,554", "Comprehensive Net Income": "34,355", "BaseVar": "1,817,479", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 53.0, "value": 0.14095016894144785, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001114927.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001114927.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001114927.svg" }, { "company_id": "0001807893", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001807893.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001807893.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001807893.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001807893_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001807893_main_keyfigs.svg", "name": "Standard Premium Finance Holdings INC", "rank": 38, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001807893.svg", "report_text": "The relative strengths and weaknesses of Standard Premium Finance Holdings INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Standard Premium Finance Holdings INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Standard Premium Finance Holdings INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 41% points.

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_savings/2023/report/0001807893_2024_Standard_Premium_Finance_Holdings_INC.pdf", "shrinked_graph_json": { "2021": { "Assets": "-3.96", "Expenses": "-5.91", "Stockholders Equity": "-3.45", "ECR before LimitedLiability": "-3.86", "Loans": "-11.5", "Other Assets": "13.7", "Notes Receivable": "-6.13", "Cash and Cash Equivalents": "-2.52", "Other Liabilities": "-48.8", "Liabilities": "1.29", "Deposits": "10.6", "Debt": "3.92", "Other Expenses": "-6.51", "Operating Expenses": "1.14", "Labor and Related Expense": "1.13", "Interest Expense": "-2.49", "General and Administrative Expense": "0.746", "Other Revenues": "6.29", "Revenues": "6.29", "Economic Capital Ratio": "-4.30", "Other Net Income": "-2.10" }, "2022": { "Loans": "-10.2", "Assets": "-3.19", "Liabilities": "2.00", "Stockholders Equity": "-1.97", "Economic Capital Ratio": "-0.613", "Other Assets": "14.7", "Cash and Cash Equivalents": "-1.40", "Notes Receivable": "-8.42", "Deposits": "10.7", "Other Liabilities": "-44.7", "Debt": "4.54", "Labor and Related Expense": "1.24", "Expenses": "-5.83", "Revenues": "7.05", "Net Income": "0.835", "Other Expenses": "-6.20", "Selling and Marketing Expense": "0.770", "Interest Expense": "-3.17", "Operating Expenses": "1.50", "Other Revenues": "7.05", "Comprehensive Net Income": "1.61", "Other Net Income": "-1.67" }, "2023": { "Assets": "-2.63", "Liabilities": "1.22", "Stockholders Equity": "-1.88", "Economic Capital Ratio": "-0.969", "Notes Receivable": "-14.4", "Loans": "-2.21", "Other Assets": "13.5", "Cash and Cash Equivalents": "-2.02", "Other Liabilities": "-41.2", "Deposits": "9.44", "Debt": "4.87", "Interest Expense": "-4.30", "Expenses": "-4.00", "Revenues": "5.75", "Net Income": "1.75", "Labor and Related Expense": "1.30", "Other Expenses": "-6.13", "Operating Expenses": "3.74", "Selling and Marketing Expense": "1.26", "General and Administrative Expense": "1.53", "Other Revenues": "5.75", "Comprehensive Net Income": "1.59" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001807893_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "1,726", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "48,518", "Other Compr. Net Income": "0", "Other Expenses": "4,713", "Other Liabilities": "43,983", "Other Net Income": "0", "Other Revenues": "7,665", "Professional Fees": "350", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "48,518", "Liabilities": "43,983", "Expenses": "6,788", "Revenues": "7,665", "Stockholders Equity": "4,535", "Net Income": "876", "Comprehensive Net Income": "876", "BaseVar": "53,477", "ECR before LimitedLiability": "6.8%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "2,328", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "51,489", "Other Compr. Net Income": "0", "Other Expenses": "4,648", "Other Liabilities": "45,536", "Other Net Income": "0", "Other Revenues": "8,157", "Professional Fees": "374", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "51,489", "Liabilities": "45,536", "Expenses": "7,350", "Revenues": "8,157", "Stockholders Equity": "5,952", "Net Income": "806", "Comprehensive Net Income": "806", "BaseVar": "56,266", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "15%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "3,798", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "62,375", "Other Compr. Net Income": "0", "Other Expenses": "5,082", "Other Liabilities": "55,979", "Other Net Income": "0", "Other Revenues": "9,723", "Professional Fees": "311", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "62,375", "Liabilities": "55,979", "Expenses": "9,191", "Revenues": "9,723", "Stockholders Equity": "6,397", "Net Income": "532", "Comprehensive Net Income": "532", "BaseVar": "68,634", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": -2.0, "value": 0.1405193115986431, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001807893.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001807893.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001807893.svg" }, { "company_id": "0000027673", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000027673.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000027673.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000027673.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000027673_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000027673_main_keyfigs.svg", "name": "Deere JOHN Capital CORP", "rank": 39, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000027673.svg", "report_text": "The relative strengths and weaknesses of Deere JOHN Capital CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Deere JOHN Capital CORP compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 9.6% points.The greatest weakness of Deere JOHN Capital CORP is the variable Debt, reducing the Economic Capital Ratio by 19% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.99% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000027673_2024_Deere_JOHN_Capital_CORP.pdf", "shrinked_graph_json": { "2016": { "Assets": "-0.525", "Liabilities": "-1.57", "Stockholders Equity": "-1.98", "ECR before LimitedLiability": "-1.49", "Securities": "-0.543", "Other Assets": "-7.07", "Notes Receivable": "-1.46", "Loans": "7.51", "Deposits": "9.86", "Other Liabilities": "-50.3", "Debt": "3.98", "Expenses": "1.26", "Revenues": "0.888", "Net Income": "0.968", "General and Administrative Expense": "1.18", "Labor and Related Expense": "0.624", "Interest Expense": "-0.840", "Other Revenues": "0.888", "Comprehensive Net Income": "1.01", "Other Net Income": "-1.12", "Economic Capital Ratio": "-2.76" }, "2017": { "Notes Receivable": "-1.37", "Assets": "-1.24", "Liabilities": "-1.01", "Stockholders Equity": "-2.24", "ECR before LimitedLiability": "-1.57", "Securities": "-0.596", "Other Assets": "-6.59", "Loans": "6.83", "Other Liabilities": "-49.5", "Debt": "3.41", "Deposits": "10.1", "Other Revenues": "2.13", "Revenues": "2.13", "Net Income": "0.726", "Comprehensive Net Income": "0.826", "Other Expenses": "0.647", "Operating Expenses": "-0.737", "Labor and Related Expense": "0.619", "Other Net Income": "-0.981", "Interest Expense": "-1.06", "Economic Capital Ratio": "-2.27" }, "2018": { "Other Assets": "-5.59", "Assets": "-1.28", "Liabilities": "-1.11", "Stockholders Equity": "-2.38", "ECR before LimitedLiability": "-1.29", "Notes Receivable": "-1.15", "Cash and Cash Equivalents": "-0.684", "Loans": "7.09", "Deposits": "11.0", "Other Liabilities": "-52.1", "Debt": "2.85", "Other Revenues": "2.98", "Revenues": "2.98", "Net Income": "1.38", "Comprehensive Net Income": "1.46", "Interest Expense": "-1.36", "Labor and Related Expense": "0.523", "Other Expenses": "2.35", "Other Net Income": "-1.53", "Operating Expenses": "-1.26", "Economic Capital Ratio": "-1.56" }, "2019": { "Other Assets": "-5.73", "Assets": "-1.60", "Liabilities": "-0.512", "Stockholders Equity": "-2.19", "ECR before LimitedLiability": "-2.23", "Cash and Cash Equivalents": "-0.884", "Notes Receivable": "-2.26", "Loans": "6.57", "Securities": "-0.489", "Deposits": "10.0", "Debt": "4.52", "Other Liabilities": "-51.0", "Expenses": "-1.51", "Other Expenses": "1.69", "Operating Expenses": "-2.10", "Labor and Related Expense": "0.622", "Interest Expense": "-1.78", "Other Revenues": "3.54", "Revenues": "3.54", "Economic Capital Ratio": "-2.42", "Other Net Income": "-1.44" }, "2020": { "Notes Receivable": "-4.90", "Assets": "-1.33", "Liabilities": "-1.42", "Expenses": "-0.459", "Stockholders Equity": "-2.69", "ECR before LimitedLiability": "-3.14", "Other Assets": "-6.74", "Loans": "10.1", "Cash and Cash Equivalents": "-1.51", "Other Liabilities": "-46.5", "Deposits": "9.72", "Debt": "3.61", "General and Administrative Expense": "0.515", "Operating Expenses": "-1.78", "Labor and Related Expense": "0.840", "Other Expenses": "1.40", "Interest Expense": "-1.22", "Other Revenues": "2.32", "Revenues": "2.32", "Economic Capital Ratio": "-3.48", "Other Net Income": "-1.64" }, "2021": { "Assets": "-0.697", "Expenses": "0.609", "Stockholders Equity": "-2.42", "ECR before LimitedLiability": "-3.46", "Loans": "12.3", "Other Assets": "-7.26", "Notes Receivable": "-5.59", "Cash and Cash Equivalents": "-1.77", "Other Liabilities": "-51.2", "Liabilities": "-1.87", "Deposits": "10.3", "Debt": "3.52", "Other Expenses": "0.916", "Operating Expenses": "-1.37", "Labor and Related Expense": "1.01", "Interest Expense": "-0.649", "General and Administrative Expense": "0.668", "Other Revenues": "1.11", "Revenues": "1.11", "Economic Capital Ratio": "-3.89", "Other Net Income": "-1.89" }, "2022": { "Deposits": "9.45", "Liabilities": "-2.12", "Stockholders Equity": "-2.15", "ECR before LimitedLiability": "-1.08", "Other Liabilities": "-8.30", "Debt": "-18.7", "Labor and Related Expense": "1.18", "Expenses": "1.25", "Net Income": "0.795", "General and Administrative Expense": "0.685", "Other Expenses": "0.725", "Operating Expenses": "-0.867", "Other Revenues": "1.23", "Revenues": "1.23", "Loans": "-9.52", "Other Assets": "-7.22", "Cash and Cash Equivalents": "-0.864", "Notes Receivable": "13.8", "Comprehensive Net Income": "1.42", "Other Net Income": "-1.57", "Economic Capital Ratio": "-1.55" }, "2023": { "Assets": "0.425", "Liabilities": "-2.11", "Stockholders Equity": "-1.53", "ECR before LimitedLiability": "0.910", "Notes Receivable": "9.58", "Loans": "-2.05", "Other Assets": "-8.23", "Cash and Cash Equivalents": "-0.990", "Other Liabilities": "-6.80", "Deposits": "8.92", "Debt": "-18.6", "Interest Expense": "-1.94", "Expenses": "2.58", "Other Net Income": "-1.05", "Net Income": "1.77", "Labor and Related Expense": "1.19", "Other Expenses": "0.436", "Operating Expenses": "0.994", "General and Administrative Expense": "1.41", "Comprehensive Net Income": "1.62", "Economic Capital Ratio": "-0.993" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000027673_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "1,089,600", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "422,100", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "27,602,800", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,151,900", "Other Assets": "5,375,400", "Other Compr. Net Income": "-20,600", "Other Expenses": "-286,600", "Other Liabilities": "30,482,100", "Other Net Income": "1,600", "Other Revenues": "2,094,200", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "466,900" }, "output_variables": { "Assets": "34,067,800", "Liabilities": "30,482,100", "Expenses": "1,754,300", "Revenues": "2,094,200", "Stockholders Equity": "3,585,700", "Net Income": "341,500", "Comprehensive Net Income": "320,900", "BaseVar": "34,210,300", "ECR before LimitedLiability": "6.5%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "1,055,500", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "521,100", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "28,281,900", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,207,100", "Other Assets": "5,665,400", "Other Compr. Net Income": "27,900", "Other Expenses": "-251,000", "Other Liabilities": "31,345,600", "Other Net Income": "1,200", "Other Revenues": "2,227,000", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "422,500" }, "output_variables": { "Assets": "35,002,800", "Liabilities": "31,345,600", "Expenses": "1,899,700", "Revenues": "2,227,000", "Stockholders Equity": "3,657,200", "Net Income": "328,500", "Comprehensive Net Income": "356,400", "BaseVar": "35,252,100", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "14%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "608,400", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "737,200", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "30,540,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,215,100", "Other Assets": "6,517,100", "Other Compr. Net Income": "-11,400", "Other Expenses": "-619,300", "Other Liabilities": "33,595,500", "Other Net Income": "1,900", "Other Revenues": "2,532,200", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "402,100" }, "output_variables": { "Assets": "37,665,500", "Liabilities": "33,595,500", "Expenses": "1,735,100", "Revenues": "2,532,200", "Stockholders Equity": "4,070,000", "Net Income": "799,000", "Comprehensive Net Income": "787,600", "BaseVar": "37,770,800", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "632,600", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "987,800", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "32,720,900", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,389,500", "Other Assets": "6,733,200", "Other Compr. Net Income": "-31,600", "Other Expenses": "-437,500", "Other Liabilities": "35,961,500", "Other Net Income": "1,800", "Other Revenues": "2,890,300", "Professional Fees": "0", "Securities": "3,200", "Selling and Marketing Expense": "533,000" }, "output_variables": { "Assets": "40,089,900", "Liabilities": "35,961,500", "Expenses": "2,472,800", "Revenues": "2,890,300", "Stockholders Equity": "4,128,400", "Net Income": "419,300", "Comprehensive Net Income": "387,700", "BaseVar": "40,723,950", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "674,600", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "743,900", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "33,428,200", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,506,700", "Other Assets": "6,752,200", "Other Compr. Net Income": "19,500", "Other Expenses": "-336,500", "Other Liabilities": "36,559,000", "Other Net Income": "2,200", "Other Revenues": "2,807,600", "Professional Fees": "0", "Securities": "2,200", "Selling and Marketing Expense": "470,600" }, "output_variables": { "Assets": "40,857,200", "Liabilities": "36,559,000", "Expenses": "2,384,700", "Revenues": "2,807,600", "Stockholders Equity": "4,298,200", "Net Income": "425,100", "Comprehensive Net Income": "444,600", "BaseVar": "41,315,100", "ECR before LimitedLiability": "6.7%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "677,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "472,900", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "36,540,600", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,306,800", "Other Assets": "5,996,900", "Other Compr. Net Income": "28,200", "Other Expenses": "-205,500", "Other Liabilities": "38,690,400", "Other Net Income": "3,000", "Other Revenues": "2,688,000", "Professional Fees": "0", "Securities": "2,100", "Selling and Marketing Expense": "406,000" }, "output_variables": { "Assets": "43,216,600", "Liabilities": "38,690,400", "Expenses": "1,980,200", "Revenues": "2,688,000", "Stockholders Equity": "4,526,200", "Net Income": "710,800", "Comprehensive Net Income": "739,000", "BaseVar": "43,303,200", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "661,800", "Debt": "22,527,800", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "497,300", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "42,374,500", "Occupancy": "0", "Operating Expenses": "1,353,400", "Other Assets": "5,890,600", "Other Compr. Net Income": "-55,000", "Other Expenses": "-231,100", "Other Liabilities": "21,595,300", "Other Net Income": "4,500", "Other Revenues": "2,759,200", "Professional Fees": "0", "Securities": "1,100", "Selling and Marketing Expense": "440,100" }, "output_variables": { "Assets": "48,928,000", "Liabilities": "44,123,100", "Expenses": "2,059,700", "Revenues": "2,759,200", "Stockholders Equity": "4,804,900", "Net Income": "704,000", "Comprehensive Net Income": "649,000", "BaseVar": "48,964,750", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "1,487,500", "Debt": "27,439,300", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "1,671,500", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "51,197,800", "Occupancy": "0", "Operating Expenses": "1,570,200", "Other Assets": "6,428,300", "Other Compr. Net Income": "800", "Other Expenses": "-403,500", "Other Liabilities": "25,773,100", "Other Net Income": "3,900", "Other Revenues": "3,975,500", "Professional Fees": "0", "Securities": "1,400", "Selling and Marketing Expense": "569,400" }, "output_variables": { "Assets": "59,115,000", "Liabilities": "53,212,400", "Expenses": "3,407,600", "Revenues": "3,975,500", "Stockholders Equity": "5,902,600", "Net Income": "571,800", "Comprehensive Net Income": "572,600", "BaseVar": "59,857,600", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 5.0, "value": 0.14028287015172575, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000027673.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000027673.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000027673.svg" }, { "company_id": "0001849670", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001849670.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001849670.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001849670.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001849670_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001849670_main_keyfigs.svg", "name": "PB Bankshares Inc", "rank": 40, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001849670.svg", "report_text": "The relative strengths and weaknesses of PB Bankshares Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of PB Bankshares Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 6.9% points.The greatest weakness of PB Bankshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 14% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.00% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001849670_2024_PB_Bankshares_Inc.pdf", "shrinked_graph_json": { "2021": { "Securities": "-0.318", "Assets": "1.16", "Liabilities": "-1.91", "Stockholders Equity": "-0.578", "ECR before LimitedLiability": "-2.96", "Loans": "11.9", "Other Assets": "-4.92", "Notes Receivable": "-5.35", "Cash and Cash Equivalents": "-2.16", "Other Liabilities": "7.04", "Deposits": "-13.4", "Debt": "0.967", "Selling and Marketing Expense": "0.603", "Expenses": "2.28", "Revenues": "-3.28", "Net Income": "-1.24", "Operating Expenses": "0.973", "General and Administrative Expense": "0.635", "Other Revenues": "-3.28", "Comprehensive Net Income": "-1.25", "Economic Capital Ratio": "-3.40" }, "2022": { "Loans": "11.8", "Assets": "1.02", "Liabilities": "-2.38", "Stockholders Equity": "-1.19", "ECR before LimitedLiability": "-0.990", "Other Assets": "-4.21", "Cash and Cash Equivalents": "-1.31", "Notes Receivable": "-7.78", "Deposits": "-11.5", "Other Liabilities": "6.34", "Debt": "-1.43", "Expenses": "2.80", "Revenues": "-2.82", "Comprehensive Net Income": "0.569", "General and Administrative Expense": "0.668", "Other Expenses": "-0.482", "Selling and Marketing Expense": "0.679", "Operating Expenses": "1.38", "Other Revenues": "-2.82", "Other Net Income": "0.620", "Economic Capital Ratio": "-1.46" }, "2023": { "Assets": "2.07", "Liabilities": "-3.22", "Stockholders Equity": "-1.05", "Economic Capital Ratio": "-0.997", "Notes Receivable": "6.89", "Loans": "-1.98", "Other Assets": "-3.48", "Cash and Cash Equivalents": "-1.80", "Other Liabilities": "6.28", "Deposits": "-14.0", "Debt": "-1.40", "Expenses": "5.56", "Revenues": "-4.45", "Net Income": "1.26", "Other Expenses": "-0.908", "Operating Expenses": "3.29", "Selling and Marketing Expense": "1.07", "General and Administrative Expense": "1.35", "Other Revenues": "-4.45", "Other Net Income": "1.15", "Comprehensive Net Income": "1.26" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001849670_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "16,681", "Deposits": "251,130", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "3,994", "Loans": "249,196", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "65,733", "Other Compr. Net Income": "-541", "Other Expenses": "2,841", "Other Liabilities": "1,284", "Other Net Income": "7,550", "Other Revenues": "815", "Professional Fees": "484", "Securities": "0", "Selling and Marketing Expense": "91" }, "output_variables": { "Assets": "314,929", "Liabilities": "269,095", "Expenses": "7,410", "Revenues": "815", "Stockholders Equity": "45,834", "Net Income": "955", "Comprehensive Net Income": "414", "BaseVar": "300,170", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "47,638", "Deposits": "289,495", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "4,285", "Loans": "300,855", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "85,692", "Other Compr. Net Income": "-1,650", "Other Expenses": "3,796", "Other Liabilities": "3,427", "Other Net Income": "10,386", "Other Revenues": "1,516", "Professional Fees": "741", "Securities": "0", "Selling and Marketing Expense": "145" }, "output_variables": { "Assets": "386,547", "Liabilities": "340,560", "Expenses": "8,967", "Revenues": "1,516", "Stockholders Equity": "45,987", "Net Income": "2,935", "Comprehensive Net Income": "1,285", "BaseVar": "374,813", "ECR before LimitedLiability": "6.7%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "55,104", "Deposits": "332,966", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "5,210", "Loans": "0", "Notes Receivable": "321,382", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "118,366", "Other Compr. Net Income": "685", "Other Expenses": "4,248", "Other Liabilities": "4,689", "Other Net Income": "11,493", "Other Revenues": "774", "Professional Fees": "688", "Securities": "0", "Selling and Marketing Expense": "202" }, "output_variables": { "Assets": "439,748", "Liabilities": "392,759", "Expenses": "10,348", "Revenues": "774", "Stockholders Equity": "46,989", "Net Income": "1,919", "Comprehensive Net Income": "2,604", "BaseVar": "427,904", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 3.0, "value": 0.14024775306796966, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001849670.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001849670.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001849670.svg" }, { "company_id": "0001447051", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001447051.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001447051.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001447051.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001447051_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001447051_main_keyfigs.svg", "name": "Territorial Bancorp Inc", "rank": 41, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001447051.svg", "report_text": "The relative strengths and weaknesses of Territorial Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Territorial Bancorp Inc compared to the market average is the variable Expenses, increasing the Economic Capital Ratio by 5.6% points.The greatest weakness of Territorial Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 13% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.0% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001447051_2024_Territorial_Bancorp_Inc.pdf", "shrinked_graph_json": { "2016": { "Assets": "1.65", "Liabilities": "-2.81", "Stockholders Equity": "-0.973", "ECR before LimitedLiability": "-0.812", "Other Assets": "-3.71", "Notes Receivable": "-1.34", "Loans": "6.86", "Deposits": "-13.3", "Other Liabilities": "6.10", "Debt": "3.69", "Expenses": "5.13", "Revenues": "-3.60", "Net Income": "0.829", "Selling and Marketing Expense": "0.978", "General and Administrative Expense": "1.08", "Labor and Related Expense": "0.576", "Other Expenses": "-1.25", "Operating Expenses": "3.02", "Other Revenues": "-3.60", "Comprehensive Net Income": "0.909", "Economic Capital Ratio": "-2.08" }, "2017": { "Notes Receivable": "-1.29", "Assets": "0.932", "Liabilities": "-2.53", "Stockholders Equity": "-1.40", "ECR before LimitedLiability": "-1.25", "Securities": "-0.557", "Cash and Cash Equivalents": "-0.973", "Other Assets": "-3.79", "Loans": "6.59", "Other Liabilities": "6.13", "Debt": "3.19", "Deposits": "-12.2", "Expenses": "3.72", "Revenues": "-2.80", "Net Income": "0.563", "Selling and Marketing Expense": "0.516", "Operating Expenses": "2.03", "Labor and Related Expense": "0.579", "Other Revenues": "-2.80", "Comprehensive Net Income": "0.577", "Economic Capital Ratio": "-1.96" }, "2020": { "Notes Receivable": "-4.60", "Assets": "1.06", "Liabilities": "-3.11", "Expenses": "4.10", "Stockholders Equity": "-1.81", "ECR before LimitedLiability": "-2.80", "Other Assets": "-6.18", "Loans": "7.37", "Cash and Cash Equivalents": "5.29", "Other Liabilities": "6.24", "Deposits": "-14.0", "Debt": "3.36", "General and Administrative Expense": "0.478", "Selling and Marketing Expense": "0.615", "Operating Expenses": "1.10", "Labor and Related Expense": "0.780", "Other Expenses": "0.381", "Other Revenues": "-2.98", "Revenues": "-2.98", "Economic Capital Ratio": "-3.13", "Other Net Income": "-0.609" }, "2021": { "Assets": "1.40", "Liabilities": "-3.16", "Stockholders Equity": "-1.51", "ECR before LimitedLiability": "-3.38", "Loans": "7.35", "Other Assets": "-0.798", "Notes Receivable": "-5.34", "Other Liabilities": "5.61", "Deposits": "-12.7", "Debt": "3.34", "Selling and Marketing Expense": "0.627", "Expenses": "4.18", "Revenues": "-3.45", "Net Income": "-0.846", "Operating Expenses": "0.972", "Labor and Related Expense": "0.959", "General and Administrative Expense": "0.635", "Other Revenues": "-3.45", "Comprehensive Net Income": "-0.602", "Other Net Income": "-0.959", "Economic Capital Ratio": "-3.82" }, "2022": { "Loans": "7.64", "Assets": "1.94", "Liabilities": "-3.18", "Stockholders Equity": "-1.08", "ECR before LimitedLiability": "-0.768", "Other Assets": "1.75", "Cash and Cash Equivalents": "-0.602", "Notes Receivable": "-7.57", "Deposits": "-14.8", "Other Liabilities": "6.11", "Debt": "4.01", "Labor and Related Expense": "1.11", "Expenses": "4.65", "Revenues": "-3.02", "Comprehensive Net Income": "0.817", "General and Administrative Expense": "0.645", "Selling and Marketing Expense": "0.687", "Operating Expenses": "1.34", "Other Revenues": "-3.02", "Other Net Income": "-0.726", "Economic Capital Ratio": "-1.24" }, "2023": { "Assets": "3.31", "Liabilities": "-3.95", "Stockholders Equity": "-0.688", "ECR before LimitedLiability": "0.897", "Notes Receivable": "5.56", "Loans": "-1.93", "Cash and Cash Equivalents": "0.327", "Other Liabilities": "4.74", "Deposits": "-13.3", "Debt": "4.19", "Expenses": "5.65", "Revenues": "-4.47", "Net Income": "1.06", "Labor and Related Expense": "1.12", "Operating Expenses": "3.20", "Selling and Marketing Expense": "1.09", "General and Administrative Expense": "1.32", "Other Revenues": "-4.47", "Other Net Income": "-0.754", "Comprehensive Net Income": "0.980", "Economic Capital Ratio": "-1.01" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001447051_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "61,273", "Debt": "0", "Deposits": "1,493,200", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,335,987", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "480,302", "Other Compr. Net Income": "-80", "Other Expenses": "10,787", "Other Liabilities": "154,576", "Other Net Income": "27,134", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,877,562", "Liabilities": "1,647,776", "Expenses": "10,787", "Revenues": "0", "Stockholders Equity": "229,786", "Net Income": "16,347", "Comprehensive Net Income": "16,267", "BaseVar": "1,781,670", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "15%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "32,089", "Debt": "0", "Deposits": "1,597,295", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,488,971", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "482,786", "Other Compr. Net Income": "-378", "Other Expenses": "11,102", "Other Liabilities": "171,697", "Other Net Income": "26,064", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,003,846", "Liabilities": "1,768,992", "Expenses": "11,102", "Revenues": "0", "Stockholders Equity": "234,854", "Net Income": "14,962", "Comprehensive Net Income": "14,584", "BaseVar": "1,905,191", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "363,543", "Debt": "0", "Deposits": "1,659,800", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,406,995", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "340,261", "Other Compr. Net Income": "-1,023", "Other Expenses": "6,715", "Other Liabilities": "202,291", "Other Net Income": "25,320", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,110,799", "Liabilities": "1,862,091", "Expenses": "6,715", "Revenues": "0", "Stockholders Equity": "248,708", "Net Income": "18,605", "Comprehensive Net Income": "17,582", "BaseVar": "2,002,974", "ECR before LimitedLiability": "7.1%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "99,859", "Debt": "0", "Deposits": "1,681,828", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,302,824", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "727,919", "Other Compr. Net Income": "3,167", "Other Expenses": "6,373", "Other Liabilities": "192,452", "Other Net Income": "23,803", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,130,602", "Liabilities": "1,874,280", "Expenses": "6,373", "Revenues": "0", "Stockholders Equity": "256,322", "Net Income": "17,430", "Comprehensive Net Income": "20,597", "BaseVar": "2,019,112", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "40,553", "Debt": "0", "Deposits": "1,716,152", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,294,764", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "834,275", "Other Compr. Net Income": "-2,220", "Other Expenses": "5,318", "Other Liabilities": "196,890", "Other Net Income": "21,474", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,169,592", "Liabilities": "1,913,042", "Expenses": "5,318", "Revenues": "0", "Stockholders Equity": "256,550", "Net Income": "16,156", "Comprehensive Net Income": "13,936", "BaseVar": "2,055,823", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "126,659", "Debt": "0", "Deposits": "1,636,604", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,303,431", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "806,582", "Other Compr. Net Income": "1,523", "Other Expenses": "1,810", "Other Liabilities": "348,982", "Other Net Income": "6,837", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,236,672", "Liabilities": "1,985,586", "Expenses": "1,810", "Revenues": "0", "Stockholders Equity": "251,086", "Net Income": "5,027", "Comprehensive Net Income": "6,550", "BaseVar": "2,116,214", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": -2.0, "value": 0.14014681500205087, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001447051.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001447051.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001447051.svg" }, { "company_id": "0001049782", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001049782.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001049782.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001049782.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001049782_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001049782_main_keyfigs.svg", "name": "Brookline Bancorp INC", "rank": 42, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001049782.svg", "report_text": "The relative strengths and weaknesses of Brookline Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Brookline Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 9.3% points.The greatest weakness of Brookline Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 14% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.0% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001049782_2024_Brookline_Bancorp_INC.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.18", "Assets": "1.45", "Liabilities": "-3.18", "Stockholders Equity": "-1.54", "ECR before LimitedLiability": "-1.45", "Other Assets": "-6.53", "Notes Receivable": "-1.39", "Loans": "8.59", "Deposits": "-8.62", "Other Liabilities": "6.09", "Debt": "-3.37", "Expenses": "5.41", "Revenues": "-3.67", "Net Income": "0.838", "Selling and Marketing Expense": "1.01", "General and Administrative Expense": "1.12", "Other Expenses": "-1.20", "Operating Expenses": "3.11", "Other Revenues": "-3.67", "Comprehensive Net Income": "0.868", "Economic Capital Ratio": "-2.71" }, "2017": { "Notes Receivable": "-1.28", "Assets": "0.926", "Liabilities": "-2.41", "Stockholders Equity": "-1.30", "ECR before LimitedLiability": "-1.14", "Securities": "-0.554", "Cash and Cash Equivalents": "-1.21", "Other Assets": "-6.17", "Loans": "8.29", "Other Liabilities": "6.48", "Debt": "-3.37", "Deposits": "-8.08", "Expenses": "3.61", "Revenues": "-2.79", "Net Income": "0.598", "Selling and Marketing Expense": "0.514", "Operating Expenses": "2.02", "Labor and Related Expense": "0.577", "Other Revenues": "-2.79", "Comprehensive Net Income": "0.576", "Economic Capital Ratio": "-1.84" }, "2018": { "Liabilities": "-1.73", "Stockholders Equity": "-1.64", "ECR before LimitedLiability": "-1.58", "Deposits": "-7.64", "Other Liabilities": "6.67", "Debt": "-2.58", "Expenses": "1.80", "Net Income": "0.498", "Labor and Related Expense": "-0.475", "Selling and Marketing Expense": "0.485", "Operating Expenses": "1.25", "Other Revenues": "-2.33", "Revenues": "-2.33", "Other Assets": "-6.15", "Notes Receivable": "-1.14", "Securities": "-0.458", "Cash and Cash Equivalents": "-0.800", "Loans": "7.62", "Comprehensive Net Income": "0.519", "Other Net Income": "1.24", "Economic Capital Ratio": "-1.85" }, "2019": { "Liabilities": "-1.49", "Stockholders Equity": "-1.22", "ECR before LimitedLiability": "-1.37", "Deposits": "-8.96", "Debt": "-0.900", "Other Liabilities": "6.66", "General and Administrative Expense": "0.362", "Expenses": "1.41", "Comprehensive Net Income": "0.205", "Operating Expenses": "0.609", "Selling and Marketing Expense": "0.650", "Labor and Related Expense": "-0.408", "Other Revenues": "-2.35", "Revenues": "-2.35", "Other Assets": "-5.90", "Cash and Cash Equivalents": "-0.989", "Notes Receivable": "-2.08", "Loans": "8.21", "Securities": "-0.451", "Other Net Income": "1.30", "Economic Capital Ratio": "-1.56" }, "2020": { "Other Liabilities": "5.88", "Liabilities": "-2.93", "Stockholders Equity": "-2.47", "ECR before LimitedLiability": "-3.56", "Deposits": "-12.3", "Debt": "-0.672", "Expenses": "2.73", "Net Income": "-0.455", "General and Administrative Expense": "0.503", "Selling and Marketing Expense": "0.608", "Operating Expenses": "1.16", "Other Revenues": "-3.11", "Revenues": "-3.11", "Notes Receivable": "13.8", "Other Assets": "-6.80", "Loans": "-11.6", "Cash and Cash Equivalents": "-0.286", "Securities": "-0.370", "Comprehensive Net Income": "-0.301", "Other Net Income": "0.303", "Economic Capital Ratio": "-3.90" }, "2021": { "Assets": "0.402", "Liabilities": "-2.47", "Stockholders Equity": "-1.85", "ECR before LimitedLiability": "-3.55", "Loans": "-10.3", "Other Assets": "-6.95", "Notes Receivable": "14.5", "Cash and Cash Equivalents": "-0.964", "Other Liabilities": "6.43", "Deposits": "-13.7", "Debt": "1.55", "Selling and Marketing Expense": "0.607", "Expenses": "2.41", "Revenues": "-3.54", "Net Income": "-0.595", "Operating Expenses": "1.00", "General and Administrative Expense": "0.655", "Other Revenues": "-3.54", "Comprehensive Net Income": "-0.613", "Other Net Income": "0.937", "Economic Capital Ratio": "-3.99" }, "2022": { "Loans": "-9.46", "Assets": "0.719", "Liabilities": "-2.58", "Stockholders Equity": "-1.68", "ECR before LimitedLiability": "-1.43", "Other Assets": "-6.69", "Securities": "-0.331", "Notes Receivable": "13.2", "Deposits": "-9.21", "Other Liabilities": "5.85", "Debt": "-2.80", "Expenses": "2.92", "Revenues": "-3.17", "Net Income": "0.490", "General and Administrative Expense": "0.684", "Selling and Marketing Expense": "0.681", "Operating Expenses": "1.42", "Other Revenues": "-3.17", "Comprehensive Net Income": "0.620", "Other Net Income": "1.18", "Economic Capital Ratio": "-1.90" }, "2023": { "Assets": "2.07", "Liabilities": "-3.28", "Stockholders Equity": "-1.11", "ECR before LimitedLiability": "0.861", "Notes Receivable": "9.32", "Loans": "-1.98", "Other Assets": "-6.78", "Cash and Cash Equivalents": "-1.40", "Other Liabilities": "6.13", "Deposits": "-13.6", "Debt": "-1.22", "Expenses": "5.52", "Revenues": "-4.57", "Net Income": "1.36", "Operating Expenses": "3.29", "Selling and Marketing Expense": "1.08", "General and Administrative Expense": "1.36", "Other Revenues": "-4.57", "Other Net Income": "1.32", "Comprehensive Net Income": "1.28", "Economic Capital Ratio": "-1.04" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001049782_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "67,657", "Debt": "1,044,086", "Deposits": "4,611,076", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "5,345,198", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,025,274", "Other Compr. Net Income": "-4,204", "Other Expenses": "30,392", "Other Liabilities": "80,218", "Other Net Income": "85,616", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "6,438,129", "Liabilities": "5,735,380", "Expenses": "30,392", "Revenues": "0", "Stockholders Equity": "702,749", "Net Income": "55,224", "Comprehensive Net Income": "51,020", "BaseVar": "6,146,860", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "61,005", "Debt": "1,020,819", "Deposits": "4,871,343", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "5,672,087", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,047,157", "Other Compr. Net Income": "-4,170", "Other Expenses": "43,636", "Other Liabilities": "75,504", "Other Net Income": "97,255", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "6,780,249", "Liabilities": "5,967,666", "Expenses": "43,636", "Revenues": "0", "Stockholders Equity": "812,583", "Net Income": "53,619", "Comprehensive Net Income": "49,449", "BaseVar": "6,446,488", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "89,584", "Debt": "920,542", "Deposits": "5,454,044", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "91,535", "Loans": "6,244,824", "Notes Receivable": "0", "Occupancy": "14,991", "Operating Expenses": "0", "Other Assets": "1,058,397", "Other Compr. Net Income": "-6,999", "Other Expenses": "66,475", "Other Liabilities": "107,600", "Other Net Income": "256,145", "Other Revenues": "0", "Professional Fees": "4,404", "Securities": "0", "Selling and Marketing Expense": "4,016" }, "output_variables": { "Assets": "7,392,805", "Liabilities": "6,482,186", "Expenses": "181,421", "Revenues": "0", "Stockholders Equity": "910,619", "Net Income": "74,724", "Comprehensive Net Income": "67,725", "BaseVar": "7,159,778", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "77,790", "Debt": "902,749", "Deposits": "5,830,072", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "96,554", "Loans": "6,676,734", "Notes Receivable": "0", "Occupancy": "15,696", "Operating Expenses": "0", "Other Assets": "1,102,329", "Other Compr. Net Income": "11,700", "Other Expenses": "65,090", "Other Liabilities": "178,426", "Other Net Income": "260,790", "Other Revenues": "0", "Professional Fees": "4,366", "Securities": "0", "Selling and Marketing Expense": "4,044" }, "output_variables": { "Assets": "7,856,853", "Liabilities": "6,911,247", "Expenses": "185,750", "Revenues": "0", "Stockholders Equity": "945,606", "Net Income": "75,040", "Comprehensive Net Income": "86,740", "BaseVar": "7,613,170", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "434,917", "Debt": "820,247", "Deposits": "6,910,696", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "100,985", "Loans": "0", "Notes Receivable": "7,155,174", "Occupancy": "15,386", "Operating Expenses": "0", "Other Assets": "1,352,333", "Other Compr. Net Income": "14,207", "Other Expenses": "49,632", "Other Liabilities": "269,703", "Other Net Income": "211,823", "Other Revenues": "0", "Professional Fees": "5,157", "Securities": "0", "Selling and Marketing Expense": "4,126" }, "output_variables": { "Assets": "8,942,424", "Liabilities": "8,000,646", "Expenses": "175,286", "Revenues": "0", "Stockholders Equity": "941,778", "Net Income": "36,537", "Comprehensive Net Income": "50,744", "BaseVar": "8,672,193", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "327,737", "Debt": "357,321", "Deposits": "7,049,906", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "106,786", "Loans": "0", "Notes Receivable": "7,055,373", "Occupancy": "14,961", "Operating Expenses": "0", "Other Assets": "1,219,512", "Other Compr. Net Income": "-16,600", "Other Expenses": "71,151", "Other Liabilities": "200,053", "Other Net Income": "304,526", "Other Revenues": "0", "Professional Fees": "4,694", "Securities": "0", "Selling and Marketing Expense": "4,167" }, "output_variables": { "Assets": "8,602,622", "Liabilities": "7,607,280", "Expenses": "201,759", "Revenues": "0", "Stockholders Equity": "995,342", "Net Income": "102,767", "Comprehensive Net Income": "86,167", "BaseVar": "8,366,394", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "382,959", "Debt": "1,432,652", "Deposits": "6,522,146", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "113,487", "Loans": "0", "Notes Receivable": "7,545,906", "Occupancy": "16,002", "Operating Expenses": "0", "Other Assets": "1,256,971", "Other Compr. Net Income": "-61,837", "Other Expenses": "70,218", "Other Liabilities": "238,913", "Other Net Income": "306,364", "Other Revenues": "0", "Professional Fees": "5,060", "Securities": "0", "Selling and Marketing Expense": "4,980" }, "output_variables": { "Assets": "9,185,836", "Liabilities": "8,193,711", "Expenses": "209,747", "Revenues": "0", "Stockholders Equity": "992,125", "Net Income": "96,617", "Comprehensive Net Income": "34,780", "BaseVar": "8,978,748", "ECR before LimitedLiability": "6.1%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "133,027", "Debt": "1,376,670", "Deposits": "8,548,125", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "138,895", "Loans": "0", "Notes Receivable": "9,524,067", "Occupancy": "20,203", "Operating Expenses": "0", "Other Assets": "1,725,162", "Other Compr. Net Income": "9,149", "Other Expenses": "87,391", "Other Liabilities": "258,817", "Other Net Income": "319,791", "Other Revenues": "0", "Professional Fees": "7,226", "Securities": "0", "Selling and Marketing Expense": "4,724" }, "output_variables": { "Assets": "11,382,256", "Liabilities": "10,183,612", "Expenses": "258,439", "Revenues": "0", "Stockholders Equity": "1,198,644", "Net Income": "61,352", "Comprehensive Net Income": "70,501", "BaseVar": "11,076,624", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 8.0, "value": 0.13979279602192826, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001049782.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001049782.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001049782.svg" }, { "company_id": "0000806279", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000806279.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000806279.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000806279.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000806279_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000806279_main_keyfigs.svg", "name": "Codorus Valley Bancorp INC", "rank": 43, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000806279.svg", "report_text": "The relative strengths and weaknesses of Codorus Valley Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Codorus Valley Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.6% points.The greatest weakness of Codorus Valley Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 21% points.

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_savings/2023/report/0000806279_2024_Codorus_Valley_Bancorp_INC.pdf", "shrinked_graph_json": { "2016": { "Assets": "1.25", "Liabilities": "-3.56", "Stockholders Equity": "-2.11", "ECR before LimitedLiability": "-2.13", "Securities": "-0.537", "Other Assets": "-6.31", "Notes Receivable": "-1.44", "Loans": "6.96", "Deposits": "-11.9", "Other Liabilities": "5.33", "Expenses": "5.15", "Revenues": "-3.76", "Net Income": "0.821", "Selling and Marketing Expense": "1.04", "General and Administrative Expense": "1.15", "Labor and Related Expense": "0.612", "Other Expenses": "-1.15", "Operating Expenses": "3.21", "Other Revenues": "-3.76", "Comprehensive Net Income": "0.775", "Economic Capital Ratio": "-3.40" }, "2017": { "Notes Receivable": "-1.36", "Assets": "0.522", "Liabilities": "-3.07", "Stockholders Equity": "-2.32", "ECR before LimitedLiability": "-2.19", "Securities": "-0.588", "Other Assets": "-6.73", "Loans": "6.94", "Other Liabilities": "5.57", "Deposits": "-12.3", "Expenses": "3.87", "Revenues": "-2.91", "Net Income": "0.543", "Selling and Marketing Expense": "0.539", "Other Expenses": "-0.431", "Operating Expenses": "2.13", "Labor and Related Expense": "0.605", "General and Administrative Expense": "0.488", "Other Revenues": "-2.91", "Comprehensive Net Income": "0.591", "Economic Capital Ratio": "-2.89" }, "2018": { "Liabilities": "-3.12", "Stockholders Equity": "-2.54", "ECR before LimitedLiability": "-2.55", "Deposits": "-12.4", "Other Liabilities": "5.83", "Expenses": "3.86", "Net Income": "0.577", "Labor and Related Expense": "0.527", "Other Expenses": "0.727", "Selling and Marketing Expense": "0.542", "Operating Expenses": "1.28", "Other Revenues": "-2.37", "Revenues": "-2.37", "Other Assets": "-6.43", "Notes Receivable": "-1.17", "Securities": "-0.474", "Cash and Cash Equivalents": "0.775", "Loans": "6.50", "Comprehensive Net Income": "0.619", "Other Net Income": "-0.463", "Economic Capital Ratio": "-2.82" }, "2019": { "Other Assets": "-5.82", "Assets": "0.594", "Liabilities": "-2.71", "Stockholders Equity": "-1.91", "ECR before LimitedLiability": "-2.13", "Cash and Cash Equivalents": "1.30", "Notes Receivable": "-2.13", "Loans": "6.68", "Securities": "-0.461", "Deposits": "-14.8", "Debt": "2.20", "Other Liabilities": "6.03", "Expenses": "3.31", "Other Expenses": "0.475", "Operating Expenses": "0.617", "Selling and Marketing Expense": "0.702", "Labor and Related Expense": "0.583", "Other Revenues": "-2.37", "Revenues": "-2.37", "Economic Capital Ratio": "-2.32", "Other Net Income": "-0.376" }, "2020": { "Notes Receivable": "-4.89", "Assets": "0.752", "Liabilities": "-3.99", "Expenses": "4.61", "Stockholders Equity": "-2.96", "ECR before LimitedLiability": "-4.23", "Other Assets": "-7.10", "Loans": "7.21", "Cash and Cash Equivalents": "4.72", "Other Liabilities": "5.18", "Deposits": "-18.1", "Debt": "3.52", "General and Administrative Expense": "0.509", "Selling and Marketing Expense": "0.655", "Operating Expenses": "1.17", "Labor and Related Expense": "0.831", "Other Expenses": "0.604", "Other Revenues": "-3.13", "Revenues": "-3.13", "Economic Capital Ratio": "-4.57", "Other Net Income": "-1.24" }, "2021": { "Assets": "0.776", "Liabilities": "-4.32", "Stockholders Equity": "-3.27", "Loans": "6.05", "Other Assets": "-7.03", "Notes Receivable": "-5.84", "Cash and Cash Equivalents": "4.58", "Other Liabilities": "4.65", "Deposits": "-17.5", "Debt": "3.60", "Expenses": "4.29", "Revenues": "-3.73", "Net Income": "-1.12", "Operating Expenses": "1.08", "Labor and Related Expense": "1.06", "General and Administrative Expense": "0.701", "Other Revenues": "-3.73", "ECR before LimitedLiability": "-5.55", "Comprehensive Net Income": "-1.10", "Other Net Income": "-1.36", "Economic Capital Ratio": "-5.99" }, "2022": { "Loans": "9.10", "Assets": "0.939", "Liabilities": "-4.01", "Stockholders Equity": "-2.91", "Other Assets": "-5.09", "Cash and Cash Equivalents": "0.852", "Notes Receivable": "-8.43", "Deposits": "-19.2", "Other Liabilities": "4.06", "Debt": "3.31", "Labor and Related Expense": "1.28", "Expenses": "3.36", "ECR before LimitedLiability": "-3.58", "General and Administrative Expense": "0.743", "Selling and Marketing Expense": "0.791", "Operating Expenses": "1.54", "Other Revenues": "-3.41", "Revenues": "-3.41", "Economic Capital Ratio": "-4.05", "Other Net Income": "-0.700", "Other Compr. Net Income": "-0.673" }, "2023": { "Assets": "2.46", "Liabilities": "-4.17", "Stockholders Equity": "-1.61", "ECR before LimitedLiability": "0.798", "Notes Receivable": "7.63", "Loans": "-1.96", "Other Assets": "-4.90", "Cash and Cash Equivalents": "-1.25", "Other Liabilities": "5.79", "Deposits": "-20.9", "Debt": "4.23", "Expenses": "5.55", "Revenues": "-4.51", "Net Income": "1.87", "Labor and Related Expense": "1.13", "Operating Expenses": "3.25", "Selling and Marketing Expense": "1.10", "General and Administrative Expense": "1.34", "Other Revenues": "-4.51", "Comprehensive Net Income": "1.88", "Economic Capital Ratio": "-1.11" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000806279_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "74,032", "Debt": "125,310", "Deposits": "1,264,177", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,255,779", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "281,776", "Other Compr. Net Income": "-2,492", "Other Expenses": "5,886", "Other Liabilities": "67,143", "Other Net Income": "18,988", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,611,587", "Liabilities": "1,456,630", "Expenses": "5,886", "Revenues": "0", "Stockholders Equity": "154,957", "Net Income": "13,102", "Comprehensive Net Income": "10,610", "BaseVar": "1,547,792", "ECR before LimitedLiability": "5.7%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "79,524", "Debt": "130,310", "Deposits": "1,384,507", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,383,075", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "246,606", "Other Compr. Net Income": "333", "Other Expenses": "9,904", "Other Liabilities": "30,169", "Other Net Income": "21,908", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,709,205", "Liabilities": "1,544,986", "Expenses": "9,904", "Revenues": "0", "Stockholders Equity": "164,219", "Net Income": "12,004", "Comprehensive Net Income": "12,337", "BaseVar": "1,643,168", "ECR before LimitedLiability": "5.8%", "Economic Capital Ratio": "14%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "96,782", "Debt": "115,310", "Deposits": "1,495,280", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,466,536", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "244,162", "Other Compr. Net Income": "-1,268", "Other Expenses": "5,182", "Other Liabilities": "18,144", "Other Net Income": "24,724", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,807,480", "Liabilities": "1,628,734", "Expenses": "5,182", "Revenues": "0", "Stockholders Equity": "178,746", "Net Income": "19,542", "Comprehensive Net Income": "18,274", "BaseVar": "1,733,694", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "131,591", "Debt": "81,632", "Deposits": "1,590,564", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,484,069", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "270,885", "Other Compr. Net Income": "3,535", "Other Expenses": "5,025", "Other Liabilities": "23,181", "Other Net Income": "23,672", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,886,545", "Liabilities": "1,695,377", "Expenses": "5,025", "Revenues": "0", "Stockholders Equity": "191,168", "Net Income": "18,647", "Comprehensive Net Income": "22,182", "BaseVar": "1,807,077", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "335,793", "Debt": "0", "Deposits": "1,863,539", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,523,325", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "303,081", "Other Compr. Net Income": "2,258", "Other Expenses": "2,031", "Other Liabilities": "100,700", "Other Net Income": "10,473", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,162,199", "Liabilities": "1,964,239", "Expenses": "2,031", "Revenues": "0", "Stockholders Equity": "197,960", "Net Income": "8,442", "Comprehensive Net Income": "10,700", "BaseVar": "2,070,600", "ECR before LimitedLiability": "5.3%", "Economic Capital Ratio": "13%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "545,494", "Debt": "0", "Deposits": "2,143,765", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,506,969", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "366,109", "Other Compr. Net Income": "-3,731", "Other Expenses": "3,928", "Other Liabilities": "79,302", "Other Net Income": "18,587", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,418,572", "Liabilities": "2,223,067", "Expenses": "3,928", "Revenues": "0", "Stockholders Equity": "195,505", "Net Income": "14,659", "Comprehensive Net Income": "10,928", "BaseVar": "2,333,942", "ECR before LimitedLiability": "4.7%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "120,439", "Debt": "0", "Deposits": "1,943,219", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,612,121", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "462,492", "Other Compr. Net Income": "-34,600", "Other Expenses": "5,556", "Other Liabilities": "74,533", "Other Net Income": "25,648", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,195,052", "Liabilities": "2,017,752", "Expenses": "5,556", "Revenues": "0", "Stockholders Equity": "177,300", "Net Income": "20,092", "Comprehensive Net Income": "-14,508", "BaseVar": "2,139,304", "ECR before LimitedLiability": "3.5%", "Economic Capital Ratio": "12%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "33,691", "Debt": "0", "Deposits": "1,873,342", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,685,102", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "476,005", "Other Compr. Net Income": "3,682", "Other Expenses": "6,870", "Other Liabilities": "121,851", "Other Net Income": "31,843", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,194,798", "Liabilities": "1,995,193", "Expenses": "6,870", "Revenues": "0", "Stockholders Equity": "199,605", "Net Income": "24,973", "Comprehensive Net Income": "28,655", "BaseVar": "2,116,193", "ECR before LimitedLiability": "6.1%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 33.0, "value": 0.13916150707079486, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000806279.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000806279.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000806279.svg" }, { "company_id": "0001541119", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001541119.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001541119.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001541119.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001541119_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001541119_main_keyfigs.svg", "name": "Sound Financial Bancorp Inc", "rank": 44, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001541119.svg", "report_text": "The relative strengths and weaknesses of Sound Financial Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Sound Financial Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Sound Financial Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 20% points.

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_savings/2023/report/0001541119_2024_Sound_Financial_Bancorp_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "2.07", "Assets": "1.32", "Liabilities": "-3.35", "Stockholders Equity": "-1.82", "ECR before LimitedLiability": "-1.65", "Other Assets": "-8.98", "Notes Receivable": "-1.40", "Loans": "8.70", "Deposits": "-12.6", "Other Liabilities": "5.32", "Debt": "3.80", "Expenses": "5.48", "Revenues": "-3.70", "Net Income": "0.892", "Selling and Marketing Expense": "1.02", "General and Administrative Expense": "1.13", "Other Expenses": "-1.20", "Operating Expenses": "3.14", "Other Revenues": "-3.70", "Comprehensive Net Income": "0.967", "Economic Capital Ratio": "-2.92" }, "2017": { "Notes Receivable": "-1.33", "Assets": "0.644", "Liabilities": "-2.96", "Stockholders Equity": "-2.10", "ECR before LimitedLiability": "-1.91", "Securities": "-0.578", "Cash and Cash Equivalents": "2.14", "Other Assets": "-8.70", "Loans": "7.87", "Other Liabilities": "5.48", "Debt": "3.27", "Deposits": "-11.8", "Expenses": "3.92", "Revenues": "-2.87", "Net Income": "0.616", "Selling and Marketing Expense": "0.531", "Operating Expenses": "2.10", "Labor and Related Expense": "0.597", "Other Revenues": "-2.87", "Comprehensive Net Income": "0.650", "Economic Capital Ratio": "-2.61" }, "2018": { "Liabilities": "-3.14", "Stockholders Equity": "-2.49", "ECR before LimitedLiability": "-2.53", "Deposits": "-9.51", "Other Liabilities": "3.76", "Debt": "2.83", "Expenses": "3.90", "Net Income": "0.494", "Labor and Related Expense": "0.526", "Other Expenses": "0.766", "Selling and Marketing Expense": "0.541", "Operating Expenses": "1.28", "Other Revenues": "-2.36", "Revenues": "-2.36", "Other Assets": "-8.41", "Notes Receivable": "-1.17", "Cash and Cash Equivalents": "2.18", "Loans": "7.36", "Comprehensive Net Income": "0.595", "Other Net Income": "-0.579", "Economic Capital Ratio": "-2.80" }, "2019": { "Other Assets": "13.8", "Assets": "-0.456", "Liabilities": "-1.46", "Stockholders Equity": "-1.81", "ECR before LimitedLiability": "-2.04", "Cash and Cash Equivalents": "1.58", "Notes Receivable": "-2.18", "Loans": "-15.1", "Securities": "-0.473", "Deposits": "-14.9", "Debt": "4.36", "Other Liabilities": "6.02", "General and Administrative Expense": "0.377", "Expenses": "0.809", "Other Expenses": "0.436", "Operating Expenses": "0.634", "Labor and Related Expense": "-0.801", "Other Revenues": "-2.01", "Revenues": "-2.01", "Economic Capital Ratio": "-2.23", "Other Net Income": "1.69" }, "2021": { "Assets": "1.07", "Liabilities": "-3.65", "Stockholders Equity": "-2.32", "ECR before LimitedLiability": "-4.18", "Loans": "-10.3", "Other Assets": "-8.95", "Notes Receivable": "13.4", "Cash and Cash Equivalents": "5.66", "Other Liabilities": "5.82", "Deposits": "-17.2", "Debt": "3.44", "Selling and Marketing Expense": "0.650", "Expenses": "4.40", "Revenues": "-3.54", "Net Income": "-0.741", "Operating Expenses": "1.01", "Labor and Related Expense": "0.995", "General and Administrative Expense": "0.659", "Other Revenues": "-3.54", "Other Net Income": "-0.901", "Economic Capital Ratio": "-4.62" }, "2022": { "Loans": "-9.26", "Assets": "1.58", "Liabilities": "-3.62", "Stockholders Equity": "-1.86", "ECR before LimitedLiability": "-1.46", "Other Assets": "-8.42", "Cash and Cash Equivalents": "0.966", "Notes Receivable": "13.6", "Deposits": "-16.6", "Other Liabilities": "5.52", "Debt": "4.11", "Labor and Related Expense": "1.15", "Expenses": "4.85", "Revenues": "-3.10", "Comprehensive Net Income": "0.952", "General and Administrative Expense": "0.667", "Selling and Marketing Expense": "0.710", "Operating Expenses": "1.38", "Other Revenues": "-3.10", "Other Net Income": "-0.657", "Economic Capital Ratio": "-1.93" }, "2023": { "Assets": "2.90", "Liabilities": "-4.10", "Stockholders Equity": "-1.18", "ECR before LimitedLiability": "0.795", "Notes Receivable": "10.8", "Loans": "-1.95", "Other Assets": "-8.93", "Other Liabilities": "5.70", "Deposits": "-19.6", "Debt": "4.22", "Interest Expense": "0.287", "Expenses": "5.55", "Revenues": "-4.49", "Net Income": "1.52", "Labor and Related Expense": "1.13", "Operating Expenses": "3.23", "Selling and Marketing Expense": "1.09", "General and Administrative Expense": "1.33", "Other Revenues": "-4.49", "Comprehensive Net Income": "1.40", "Economic Capital Ratio": "-1.11" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001541119_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "54,582", "Debt": "0", "Deposits": "467,731", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "73", "Labor and Related Expense": "0", "Loans": "495,179", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "38,622", "Other Compr. Net Income": "-83", "Other Expenses": "2,695", "Other Liabilities": "60,304", "Other Net Income": "8,073", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "588,383", "Liabilities": "528,108", "Expenses": "2,695", "Revenues": "0", "Stockholders Equity": "60,275", "Net Income": "5,378", "Comprehensive Net Income": "5,295", "BaseVar": "563,671", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "60,680", "Debt": "0", "Deposits": "514,400", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "77", "Labor and Related Expense": "0", "Loans": "543,354", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "41,210", "Other Compr. Net Income": "28", "Other Expenses": "3,068", "Other Liabilities": "65,607", "Other Net Income": "8,193", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "645,244", "Liabilities": "580,084", "Expenses": "3,068", "Revenues": "0", "Stockholders Equity": "65,160", "Net Income": "5,125", "Comprehensive Net Income": "5,153", "BaseVar": "618,308", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "14%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "61,810", "Debt": "0", "Deposits": "553,601", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "137", "Labor and Related Expense": "0", "Loans": "613,769", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "41,156", "Other Compr. Net Income": "5.0", "Other Expenses": "1,706", "Other Liabilities": "91,370", "Other Net Income": "8,745", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "716,735", "Liabilities": "645,108", "Expenses": "1,706", "Revenues": "0", "Stockholders Equity": "71,627", "Net Income": "7,039", "Comprehensive Net Income": "7,044", "BaseVar": "686,150", "ECR before LimitedLiability": "6.3%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "55,770", "Debt": "0", "Deposits": "616,718", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "226", "Labor and Related Expense": "12,402", "Loans": "0", "Notes Receivable": "0", "Occupancy": "2,060", "Operating Expenses": "0", "Other Assets": "664,083", "Other Compr. Net Income": "-1,590", "Other Expenses": "2,418", "Other Liabilities": "25,183", "Other Net Income": "27,089", "Other Revenues": "4,026", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "5,905" }, "output_variables": { "Assets": "719,853", "Liabilities": "642,127", "Expenses": "22,785", "Revenues": "4,026", "Stockholders Equity": "77,726", "Net Income": "8,330", "Comprehensive Net Income": "6,740", "BaseVar": "708,735", "ECR before LimitedLiability": "6.7%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "183,590", "Debt": "0", "Deposits": "798,320", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "200", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "680,092", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "56,009", "Other Compr. Net Income": "-101", "Other Expenses": "2,272", "Other Liabilities": "27,813", "Other Net Income": "11,428", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "919,691", "Liabilities": "826,333", "Expenses": "2,272", "Revenues": "0", "Stockholders Equity": "93,358", "Net Income": "9,156", "Comprehensive Net Income": "9,055", "BaseVar": "879,912", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "57,836", "Debt": "0", "Deposits": "808,763", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "395", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "858,382", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "60,133", "Other Compr. Net Income": "-1,256", "Other Expenses": "2,072", "Other Liabilities": "69,488", "Other Net Income": "10,876", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "976,351", "Liabilities": "878,646", "Expenses": "2,072", "Revenues": "0", "Stockholders Equity": "97,705", "Net Income": "8,804", "Comprehensive Net Income": "7,548", "BaseVar": "934,600", "ECR before LimitedLiability": "6.1%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "49,690", "Debt": "0", "Deposits": "826,539", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "817", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "885,718", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "59,813", "Other Compr. Net Income": "129", "Other Expenses": "1,561", "Other Liabilities": "67,211", "Other Net Income": "9,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "995,221", "Liabilities": "894,567", "Expenses": "1,561", "Revenues": "0", "Stockholders Equity": "100,654", "Net Income": "7,439", "Comprehensive Net Income": "7,568", "BaseVar": "950,239", "ECR before LimitedLiability": "6.1%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 7.0, "value": 0.13912609953969932, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001541119.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001541119.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001541119.svg" }, { "company_id": "0001617242", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001617242.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001617242.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001617242.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001617242_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001617242_main_keyfigs.svg", "name": "Kearny Financial Corp", "rank": 45, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001617242.svg", "report_text": "The relative strengths and weaknesses of Kearny Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Kearny Financial Corp compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 6.7% points.The greatest weakness of Kearny Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 11% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.2% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001617242_2024_Kearny_Financial_Corp.pdf", "shrinked_graph_json": { "2018": { "Other Assets": "-0.763", "Assets": "2.16", "Liabilities": "-0.967", "Stockholders Equity": "1.44", "ECR before LimitedLiability": "1.08", "Notes Receivable": "-0.976", "Securities": "-0.390", "Cash and Cash Equivalents": "-0.418", "Loans": "5.56", "Deposits": "-4.03", "Other Liabilities": "8.67", "Debt": "-5.40", "Expenses": "3.28", "Labor and Related Expense": "0.453", "Other Expenses": "0.664", "Selling and Marketing Expense": "0.466", "Operating Expenses": "1.09", "Other Revenues": "-2.11", "Revenues": "-2.11", "Economic Capital Ratio": "0.806", "Other Net Income": "-0.980" }, "2019": { "Other Assets": "-0.977", "Assets": "1.32", "Liabilities": "-0.553", "Stockholders Equity": "0.905", "Economic Capital Ratio": "-0.0807", "Cash and Cash Equivalents": "-1.03", "Notes Receivable": "-1.93", "Loans": "7.50", "Securities": "-0.414", "Deposits": "-4.49", "Debt": "-4.63", "Other Liabilities": "8.07", "General and Administrative Expense": "0.338", "Expenses": "1.66", "Revenues": "-2.15", "Comprehensive Net Income": "-0.398", "Operating Expenses": "0.568", "Selling and Marketing Expense": "0.610", "Labor and Related Expense": "-0.201", "Other Revenues": "-2.15", "Other Net Income": "0.474", "Other Compr. Net Income": "-0.252" }, "2020": { "Notes Receivable": "-4.39", "Assets": "1.32", "Liabilities": "-1.61", "ECR before LimitedLiability": "-1.22", "Other Assets": "-1.56", "Loans": "8.42", "Cash and Cash Equivalents": "-0.937", "Securities": "-0.324", "Other Liabilities": "7.96", "Deposits": "-7.38", "Debt": "-4.21", "Expenses": "2.55", "Net Income": "-0.296", "General and Administrative Expense": "0.453", "Selling and Marketing Expense": "0.550", "Operating Expenses": "1.04", "Other Revenues": "-2.81", "Revenues": "-2.81", "Comprehensive Net Income": "-0.292", "Other Net Income": "0.219", "Economic Capital Ratio": "-1.56" }, "2021": { "Assets": "1.12", "Liabilities": "-1.98", "Stockholders Equity": "-0.656", "ECR before LimitedLiability": "-2.43", "Loans": "8.75", "Other Assets": "-1.14", "Notes Receivable": "-5.26", "Cash and Cash Equivalents": "-1.81", "Other Liabilities": "7.48", "Deposits": "-10.8", "Debt": "-0.797", "Selling and Marketing Expense": "0.588", "Expenses": "2.51", "Revenues": "-3.32", "Net Income": "-0.795", "Operating Expenses": "0.949", "General and Administrative Expense": "0.620", "Other Revenues": "-3.32", "Comprehensive Net Income": "-0.618", "Other Net Income": "0.313", "Economic Capital Ratio": "-2.87" }, "2022": { "Loans": "-9.27", "Assets": "1.74", "Liabilities": "-3.11", "Stockholders Equity": "-1.24", "ECR before LimitedLiability": "-1.34", "Other Assets": "-1.90", "Cash and Cash Equivalents": "-0.835", "Notes Receivable": "11.2", "Deposits": "-12.5", "Other Liabilities": "6.03", "Debt": "-1.23", "Labor and Related Expense": "1.15", "Expenses": "4.73", "Revenues": "-3.10", "Comprehensive Net Income": "0.353", "General and Administrative Expense": "0.667", "Selling and Marketing Expense": "0.709", "Operating Expenses": "1.38", "Other Revenues": "-3.10", "Other Net Income": "-0.587", "Economic Capital Ratio": "-1.81" }, "2023": { "Assets": "3.11", "Liabilities": "-3.98", "Stockholders Equity": "-0.898", "ECR before LimitedLiability": "0.735", "Notes Receivable": "6.73", "Loans": "-1.96", "Other Assets": "-3.08", "Cash and Cash Equivalents": "-1.48", "Other Liabilities": "6.13", "Deposits": "-11.2", "Debt": "-4.10", "Expenses": "5.50", "Revenues": "-4.50", "Net Income": "1.32", "Labor and Related Expense": "1.13", "Operating Expenses": "3.24", "Selling and Marketing Expense": "1.10", "General and Administrative Expense": "1.33", "Other Revenues": "-4.50", "Comprehensive Net Income": "1.03", "Economic Capital Ratio": "-1.17" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001617242_strength_weakness.svg", "table_records": { "2018": { "input_variables": { "Cash and Cash Equivalents": "128,864", "Debt": "1,198,646", "Deposits": "4,073,604", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "4,470,483", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,980,527", "Other Compr. Net Income": "16,110", "Other Expenses": "14,404", "Other Liabilities": "38,876", "Other Net Income": "34,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "6,579,874", "Liabilities": "5,311,126", "Expenses": "14,404", "Revenues": "0", "Stockholders Equity": "1,268,748", "Net Income": "19,596", "Comprehensive Net Income": "35,706", "BaseVar": "5,977,757", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "18%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "38,935", "Debt": "1,321,982", "Deposits": "4,147,610", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "63,029", "Loans": "4,645,654", "Notes Receivable": "0", "Occupancy": "11,220", "Operating Expenses": "0", "Other Assets": "1,950,240", "Other Compr. Net Income": "-15,696", "Other Expenses": "45,870", "Other Liabilities": "38,078", "Other Net Income": "152,003", "Other Revenues": "6,814", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "3,051" }, "output_variables": { "Assets": "6,634,829", "Liabilities": "5,507,670", "Expenses": "123,170", "Revenues": "6,814", "Stockholders Equity": "1,127,159", "Net Income": "35,647", "Comprehensive Net Income": "19,951", "BaseVar": "6,220,091", "ECR before LimitedLiability": "9.6%", "Economic Capital Ratio": "17%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "180,967", "Debt": "1,173,165", "Deposits": "4,430,282", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "62,015", "Loans": "4,461,070", "Notes Receivable": "0", "Occupancy": "11,424", "Operating Expenses": "0", "Other Assets": "2,116,138", "Other Compr. Net Income": "-1,582", "Other Expenses": "43,684", "Other Liabilities": "70,551", "Other Net Income": "150,565", "Other Revenues": "6,419", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "2,788" }, "output_variables": { "Assets": "6,758,175", "Liabilities": "5,673,998", "Expenses": "119,911", "Revenues": "6,419", "Stockholders Equity": "1,084,177", "Net Income": "37,073", "Comprehensive Net Income": "35,491", "BaseVar": "6,355,325", "ECR before LimitedLiability": "9.3%", "Economic Capital Ratio": "16%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "67,855", "Debt": "685,876", "Deposits": "5,485,306", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "68,800", "Loans": "4,793,229", "Notes Receivable": "0", "Occupancy": "12,673", "Operating Expenses": "0", "Other Assets": "2,422,651", "Other Compr. Net Income": "4,887", "Other Expenses": "63,514", "Other Liabilities": "69,609", "Other Net Income": "200,466", "Other Revenues": "9,915", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "2,161" }, "output_variables": { "Assets": "7,283,735", "Liabilities": "6,240,791", "Expenses": "147,148", "Revenues": "9,915", "Stockholders Equity": "1,042,944", "Net Income": "63,233", "Comprehensive Net Income": "68,120", "BaseVar": "6,943,471", "ECR before LimitedLiability": "8.7%", "Economic Capital Ratio": "16%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "101,615", "Debt": "901,337", "Deposits": "5,862,256", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "5,370,787", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,247,481", "Other Compr. Net Income": "-61,871", "Other Expenses": "24,800", "Other Liabilities": "62,290", "Other Net Income": "92,347", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "7,719,883", "Liabilities": "6,825,883", "Expenses": "24,800", "Revenues": "0", "Stockholders Equity": "894,000", "Net Income": "67,547", "Comprehensive Net Income": "5,676", "BaseVar": "7,362,392", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "70,515", "Debt": "1,506,812", "Deposits": "5,629,183", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "5,780,687", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,213,613", "Other Compr. Net Income": "-13,729", "Other Expenses": "11,568", "Other Liabilities": "59,536", "Other Net Income": "52,379", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "8,064,815", "Liabilities": "7,195,531", "Expenses": "11,568", "Revenues": "0", "Stockholders Equity": "869,284", "Net Income": "40,811", "Comprehensive Net Income": "27,082", "BaseVar": "7,669,011", "ECR before LimitedLiability": "6.1%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 1.0, "value": 0.13852757190356463, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001617242.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001617242.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001617242.svg" }, { "company_id": "0001530249", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001530249.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001530249.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001530249.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001530249_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001530249_main_keyfigs.svg", "name": "FS Bancorp Inc", "rank": 46, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001530249.svg", "report_text": "The relative strengths and weaknesses of FS Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of FS Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.5% points.The greatest weakness of FS Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 20% points.

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_savings/2023/report/0001530249_2024_FS_Bancorp_Inc.pdf", "shrinked_graph_json": { "2016": { "Assets": "1.04", "Liabilities": "-3.30", "Stockholders Equity": "-2.03", "ECR before LimitedLiability": "-1.61", "Other Assets": "13.5", "Notes Receivable": "-1.41", "Loans": "-13.7", "Deposits": "-16.5", "Other Liabilities": "5.80", "Debt": "3.81", "Expenses": "5.27", "Revenues": "-3.71", "Net Income": "1.19", "Selling and Marketing Expense": "1.02", "General and Administrative Expense": "1.13", "Labor and Related Expense": "0.600", "Other Expenses": "-1.37", "Operating Expenses": "3.15", "Other Revenues": "-3.71", "Comprehensive Net Income": "1.22", "Economic Capital Ratio": "-2.88" }, "2017": { "Notes Receivable": "-1.23", "Assets": "0.849", "Liabilities": "-2.16", "Stockholders Equity": "-1.10", "Economic Capital Ratio": "-1.08", "Securities": "-0.532", "Cash and Cash Equivalents": "-1.46", "Other Assets": "15.2", "Loans": "-14.3", "Other Liabilities": "7.06", "Debt": "3.11", "Deposits": "-15.6", "Expenses": "3.48", "Revenues": "-2.73", "Net Income": "1.10", "Selling and Marketing Expense": "0.498", "Operating Expenses": "1.96", "Labor and Related Expense": "0.559", "Other Revenues": "-2.73", "Comprehensive Net Income": "1.14", "Other Net Income": "0.744" }, "2018": { "Other Assets": "14.7", "Assets": "-0.675", "Liabilities": "-1.64", "Stockholders Equity": "-2.19", "ECR before LimitedLiability": "-1.68", "Notes Receivable": "-1.15", "Cash and Cash Equivalents": "-1.24", "Loans": "-15.7", "Deposits": "-9.47", "Other Liabilities": "5.10", "Debt": "2.84", "Expenses": "1.16", "Revenues": "-2.20", "Net Income": "0.896", "Labor and Related Expense": "-0.870", "Other Expenses": "0.490", "Operating Expenses": "1.27", "Other Revenues": "-2.20", "Comprehensive Net Income": "0.946", "Other Net Income": "2.15", "Economic Capital Ratio": "-1.95" }, "2019": { "Other Assets": "-4.61", "Assets": "-0.576", "Liabilities": "-0.920", "Stockholders Equity": "-1.45", "ECR before LimitedLiability": "-1.23", "Cash and Cash Equivalents": "-0.422", "Notes Receivable": "15.1", "Loans": "-15.1", "Securities": "-0.456", "Deposits": "-12.2", "Debt": "4.27", "Other Liabilities": "6.70", "Other Revenues": "-2.06", "Revenues": "-2.06", "Net Income": "0.445", "General and Administrative Expense": "0.367", "Comprehensive Net Income": "0.474", "Operating Expenses": "0.617", "Labor and Related Expense": "-0.967", "Other Net Income": "2.58", "Economic Capital Ratio": "-1.42" }, "2020": { "Notes Receivable": "14.5", "Assets": "-0.599", "Liabilities": "-1.93", "Stockholders Equity": "-2.36", "ECR before LimitedLiability": "-2.30", "Other Assets": "-4.77", "Loans": "-11.6", "Cash and Cash Equivalents": "-0.498", "Other Liabilities": "6.74", "Deposits": "-13.0", "Debt": "3.43", "Expenses": "1.22", "Revenues": "-2.93", "Net Income": "0.698", "General and Administrative Expense": "0.487", "Operating Expenses": "1.12", "Labor and Related Expense": "-0.629", "Other Revenues": "-2.93", "Comprehensive Net Income": "0.790", "Other Net Income": "2.76", "Economic Capital Ratio": "-2.64" }, "2021": { "Securities": "-0.334", "Assets": "-0.346", "Liabilities": "-2.07", "Stockholders Equity": "-2.23", "ECR before LimitedLiability": "-3.44", "Loans": "-10.5", "Other Assets": "-4.68", "Notes Receivable": "14.1", "Cash and Cash Equivalents": "-1.88", "Other Liabilities": "6.43", "Deposits": "-14.1", "Debt": "3.49", "Expenses": "1.24", "Revenues": "-3.43", "Net Income": "-0.275", "Operating Expenses": "1.02", "Labor and Related Expense": "-0.745", "General and Administrative Expense": "0.663", "Other Revenues": "-3.43", "Other Net Income": "2.30", "Economic Capital Ratio": "-3.88" }, "2022": { "Deposits": "-13.6", "Liabilities": "-2.70", "Loans": "-9.86", "Stockholders Equity": "-2.66", "Other Liabilities": "4.46", "Debt": "4.34", "Expenses": "2.19", "Net Income": "0.567", "General and Administrative Expense": "0.729", "Selling and Marketing Expense": "0.381", "Operating Expenses": "1.51", "Other Revenues": "-3.08", "Revenues": "-3.08", "ECR before LimitedLiability": "-2.53", "Comprehensive Net Income": "0.444", "Other Assets": "-6.73", "Cash and Cash Equivalents": "-0.848", "Securities": "-0.357", "Notes Receivable": "12.3", "Other Net Income": "1.86", "Economic Capital Ratio": "-3.00" }, "2023": { "Assets": "2.43", "Liabilities": "-4.23", "Stockholders Equity": "-1.70", "ECR before LimitedLiability": "0.700", "Notes Receivable": "8.53", "Loans": "-1.97", "Other Assets": "-6.20", "Cash and Cash Equivalents": "-1.02", "Other Liabilities": "5.66", "Deposits": "-20.4", "Debt": "4.25", "Expenses": "5.46", "Revenues": "-4.53", "Net Income": "1.95", "Labor and Related Expense": "1.14", "Operating Expenses": "3.26", "Selling and Marketing Expense": "1.10", "General and Administrative Expense": "1.34", "Other Revenues": "-4.53", "Comprehensive Net Income": "1.88", "Economic Capital Ratio": "-1.20" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001530249_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "36,456", "Debt": "0", "Deposits": "712,593", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "791,470", "Other Compr. Net Income": "-614", "Other Expenses": "5,604", "Other Liabilities": "34,300", "Other Net Income": "16,103", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "827,926", "Liabilities": "746,893", "Expenses": "5,604", "Revenues": "0", "Stockholders Equity": "81,033", "Net Income": "10,499", "Comprehensive Net Income": "9,885", "BaseVar": "798,570", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "829,842", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "981,783", "Other Compr. Net Income": "145", "Other Expenses": "6,494", "Other Liabilities": "29,939", "Other Net Income": "20,579", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "981,783", "Liabilities": "859,781", "Expenses": "6,494", "Revenues": "0", "Stockholders Equity": "122,002", "Net Income": "14,085", "Comprehensive Net Income": "14,230", "BaseVar": "934,391", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,274,219", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "28,538", "Loans": "0", "Notes Receivable": "0", "Occupancy": "3,042", "Operating Expenses": "0", "Other Assets": "1,621,644", "Other Compr. Net Income": "-1,004", "Other Expenses": "9,352", "Other Liabilities": "167,387", "Other Net Income": "73,762", "Other Revenues": "3,646", "Professional Fees": "4,673", "Securities": "0", "Selling and Marketing Expense": "7,456" }, "output_variables": { "Assets": "1,621,644", "Liabilities": "1,441,606", "Expenses": "53,061", "Revenues": "3,646", "Stockholders Equity": "180,038", "Net Income": "24,347", "Comprehensive Net Income": "23,343", "BaseVar": "1,597,362", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "45,778", "Debt": "0", "Deposits": "1,392,408", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "33,816", "Loans": "0", "Notes Receivable": "1,336,346", "Occupancy": "4,640", "Operating Expenses": "0", "Other Assets": "330,932", "Other Compr. Net Income": "2,267", "Other Expenses": "13,226", "Other Liabilities": "120,406", "Other Net Income": "83,037", "Other Revenues": "7,426", "Professional Fees": "5,664", "Securities": "0", "Selling and Marketing Expense": "10,400" }, "output_variables": { "Assets": "1,713,056", "Liabilities": "1,512,814", "Expenses": "67,746", "Revenues": "7,426", "Stockholders Equity": "200,242", "Net Income": "22,717", "Comprehensive Net Income": "24,984", "BaseVar": "1,693,173", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "91,576", "Debt": "0", "Deposits": "1,674,071", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "38,095", "Loans": "0", "Notes Receivable": "1,544,981", "Occupancy": "4,736", "Operating Expenses": "0", "Other Assets": "476,684", "Other Compr. Net Income": "1,745", "Other Expenses": "18,484", "Other Liabilities": "209,163", "Other Net Income": "113,200", "Other Revenues": "3,243", "Professional Fees": "4,863", "Securities": "0", "Selling and Marketing Expense": "11,001" }, "output_variables": { "Assets": "2,113,241", "Liabilities": "1,883,234", "Expenses": "77,179", "Revenues": "3,243", "Stockholders Equity": "230,007", "Net Income": "39,264", "Comprehensive Net Income": "41,009", "BaseVar": "2,095,921", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "26,491", "Debt": "0", "Deposits": "1,915,744", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "49,721", "Loans": "0", "Notes Receivable": "1,728,540", "Occupancy": "4,892", "Operating Expenses": "0", "Other Assets": "531,360", "Other Compr. Net Income": "-2,281", "Other Expenses": "14,236", "Other Liabilities": "123,140", "Other Net Income": "118,447", "Other Revenues": "5,215", "Professional Fees": "5,976", "Securities": "0", "Selling and Marketing Expense": "11,425" }, "output_variables": { "Assets": "2,286,391", "Liabilities": "2,038,884", "Expenses": "86,250", "Revenues": "5,215", "Stockholders Equity": "247,507", "Net Income": "37,412", "Comprehensive Net Income": "35,131", "BaseVar": "2,268,734", "ECR before LimitedLiability": "7.3%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "41,437", "Debt": "0", "Deposits": "2,127,741", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "47,632", "Loans": "0", "Notes Receivable": "2,190,860", "Occupancy": "5,165", "Operating Expenses": "0", "Other Assets": "400,601", "Other Compr. Net Income": "-25,884", "Other Expenses": "16,213", "Other Liabilities": "273,460", "Other Net Income": "106,770", "Other Revenues": "9,401", "Professional Fees": "5,872", "Securities": "0", "Selling and Marketing Expense": "11,640" }, "output_variables": { "Assets": "2,632,898", "Liabilities": "2,401,201", "Expenses": "86,522", "Revenues": "9,401", "Stockholders Equity": "231,697", "Net Income": "29,649", "Comprehensive Net Income": "3,765", "BaseVar": "2,631,338", "ECR before LimitedLiability": "4.8%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "65,691", "Debt": "0", "Deposits": "2,522,323", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "2,401,481", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "505,497", "Other Compr. Net Income": "2,326", "Other Expenses": "9,219", "Other Liabilities": "185,858", "Other Net Income": "45,272", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,972,669", "Liabilities": "2,708,181", "Expenses": "9,219", "Revenues": "0", "Stockholders Equity": "264,488", "Net Income": "36,053", "Comprehensive Net Income": "38,379", "BaseVar": "2,868,834", "ECR before LimitedLiability": "6.0%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 20.0, "value": 0.13817693362869415, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001530249.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001530249.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001530249.svg" }, { "company_id": "0001490906", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001490906.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001490906.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001490906.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001490906_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001490906_main_keyfigs.svg", "name": "Capitol Federal Financial Inc", "rank": 47, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001490906.svg", "report_text": "The relative strengths and weaknesses of Capitol Federal Financial Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Capitol Federal Financial Inc compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 8.5% points.The greatest weakness of Capitol Federal Financial Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 17% points.

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_savings/2023/report/0001490906_2024_Capitol_Federal_Financial_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-0.400", "Assets": "2.18", "Economic Capital Ratio": "-0.883", "Securities": "-0.466", "Other Assets": "-4.46", "Notes Receivable": "-1.26", "Loans": "8.33", "Liabilities": "-2.17", "Deposits": "10.8", "Other Liabilities": "-50.4", "Debt": "3.53", "Expenses": "4.97", "Revenues": "-3.48", "Net Income": "0.821", "Selling and Marketing Expense": "0.926", "General and Administrative Expense": "1.03", "Labor and Related Expense": "0.546", "Other Expenses": "-1.08", "Operating Expenses": "2.84", "Other Revenues": "-3.48", "Comprehensive Net Income": "0.879" }, "2021": { "Assets": "1.14", "Liabilities": "-2.58", "Stockholders Equity": "-1.22", "ECR before LimitedLiability": "-3.14", "Loans": "10.2", "Other Assets": "-3.45", "Notes Receivable": "-5.35", "Cash and Cash Equivalents": "-2.02", "Other Liabilities": "-50.9", "Deposits": "10.3", "Debt": "3.35", "Selling and Marketing Expense": "0.627", "Expenses": "3.14", "Revenues": "-3.33", "Net Income": "-0.862", "Operating Expenses": "0.818", "Labor and Related Expense": "0.480", "General and Administrative Expense": "0.635", "Other Revenues": "-3.33", "Comprehensive Net Income": "-0.732", "Economic Capital Ratio": "-3.58" }, "2022": { "Loans": "-9.52", "Assets": "1.14", "Liabilities": "-2.70", "Stockholders Equity": "-1.43", "ECR before LimitedLiability": "-1.87", "Other Assets": "-4.43", "Cash and Cash Equivalents": "-1.18", "Notes Receivable": "12.3", "Deposits": "8.79", "Other Liabilities": "-47.1", "Debt": "4.26", "Labor and Related Expense": "0.668", "Expenses": "3.81", "Revenues": "-3.06", "Net Income": "0.366", "General and Administrative Expense": "0.693", "Selling and Marketing Expense": "0.738", "Operating Expenses": "1.26", "Other Revenues": "-3.06", "Economic Capital Ratio": "-2.34", "Other Compr. Net Income": "-0.444" }, "2023": { "Assets": "2.55", "Liabilities": "-3.77", "Stockholders Equity": "-1.17", "Economic Capital Ratio": "-1.24", "Notes Receivable": "7.99", "Loans": "-1.98", "Other Assets": "-5.61", "Cash and Cash Equivalents": "-0.950", "Other Liabilities": "-17.5", "Deposits": "8.48", "Debt": "-8.22", "Expenses": "5.40", "Revenues": "-4.43", "Comprehensive Net Income": "1.21", "Labor and Related Expense": "0.706", "Operating Expenses": "3.06", "Selling and Marketing Expense": "1.11", "General and Administrative Expense": "1.35", "Other Revenues": "-4.43", "Other Compr. Net Income": "1.17", "Other Net Income": "-1.34" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001490906_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "281,764", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "6,958,024", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,027,459", "Other Compr. Net Income": "-2,459", "Other Expenses": "38,445", "Other Liabilities": "7,874,283", "Other Net Income": "121,939", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "9,267,247", "Liabilities": "7,874,283", "Expenses": "38,445", "Revenues": "0", "Stockholders Equity": "1,392,964", "Net Income": "83,494", "Comprehensive Net Income": "81,035", "BaseVar": "8,652,186", "ECR before LimitedLiability": "9.1%", "Economic Capital Ratio": "16%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "42,262", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "56,002", "Loans": "7,081,142", "Notes Receivable": "0", "Occupancy": "14,045", "Operating Expenses": "17,922", "Other Assets": "2,507,842", "Other Compr. Net Income": "200", "Other Expenses": "47,546", "Other Liabilities": "8,388,973", "Other Net Income": "196,285", "Other Revenues": "16,500", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "9,631,246", "Liabilities": "8,388,973", "Expenses": "135,515", "Revenues": "16,500", "Stockholders Equity": "1,242,273", "Net Income": "77,270", "Comprehensive Net Income": "77,470", "BaseVar": "9,184,360", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "49,194", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "56,600", "Loans": "0", "Notes Receivable": "7,464,208", "Occupancy": "14,370", "Operating Expenses": "18,311", "Other Assets": "2,111,495", "Other Compr. Net Income": "-129,328", "Other Expenses": "46,320", "Other Liabilities": "8,528,398", "Other Net Income": "203,309", "Other Revenues": "18,100", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "9,624,897", "Liabilities": "8,528,398", "Expenses": "135,601", "Revenues": "18,100", "Stockholders Equity": "1,096,499", "Net Income": "85,808", "Comprehensive Net Income": "-43,520", "BaseVar": "9,319,816", "ECR before LimitedLiability": "5.6%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "245,605", "Debt": "2,879,125", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "51,491", "Loans": "0", "Notes Receivable": "7,970,949", "Occupancy": "14,236", "Operating Expenses": "23,425", "Other Assets": "1,960,907", "Other Compr. Net Income": "154,333", "Other Expenses": "-12,514", "Other Liabilities": "6,254,282", "Other Net Income": "-41,253", "Other Revenues": "17,600", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "10,177,461", "Liabilities": "9,133,407", "Expenses": "76,638", "Revenues": "17,600", "Stockholders Equity": "1,044,054", "Net Income": "-100,291", "Comprehensive Net Income": "54,042", "BaseVar": "9,800,346", "ECR before LimitedLiability": "6.0%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 9.0, "value": 0.1378546744988661, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001490906.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001490906.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001490906.svg" }, { "company_id": "0000921183", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000921183.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000921183.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000921183.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000921183_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000921183_main_keyfigs.svg", "name": "HMN Financial INC", "rank": 48, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000921183.svg", "report_text": "The relative strengths and weaknesses of HMN Financial INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of HMN Financial INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.2% points.The greatest weakness of HMN Financial INC is the variable Deposits, reducing the Economic Capital Ratio by 22% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.3% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000921183_2024_HMN_Financial_INC.pdf", "shrinked_graph_json": { "2016": { "Assets": "1.41", "Liabilities": "-3.06", "Stockholders Equity": "-1.45", "ECR before LimitedLiability": "-1.31", "Other Assets": "-6.72", "Notes Receivable": "-1.38", "Loans": "8.13", "Deposits": "-17.8", "Other Liabilities": "6.16", "Debt": "3.76", "Expenses": "5.24", "Revenues": "-3.66", "Net Income": "0.896", "Selling and Marketing Expense": "1.00", "General and Administrative Expense": "1.11", "Labor and Related Expense": "0.590", "Other Expenses": "-1.30", "Operating Expenses": "3.09", "Other Revenues": "-3.66", "Comprehensive Net Income": "0.906", "Economic Capital Ratio": "-2.58" }, "2017": { "Notes Receivable": "-1.31", "Assets": "0.842", "Liabilities": "-2.68", "Stockholders Equity": "-1.64", "ECR before LimitedLiability": "-1.60", "Securities": "-0.568", "Other Assets": "-6.73", "Loans": "7.43", "Other Liabilities": "6.11", "Debt": "3.23", "Deposits": "-17.3", "Expenses": "3.73", "Revenues": "-2.84", "Net Income": "0.455", "Selling and Marketing Expense": "0.524", "Operating Expenses": "2.07", "Labor and Related Expense": "0.589", "General and Administrative Expense": "0.475", "Other Revenues": "-2.84", "Comprehensive Net Income": "0.469", "Economic Capital Ratio": "-2.30" }, "2018": { "Other Assets": "-5.89", "Assets": "0.603", "Liabilities": "-2.61", "Stockholders Equity": "-1.78", "ECR before LimitedLiability": "-1.67", "Notes Receivable": "-1.12", "Securities": "-0.451", "Loans": "7.37", "Deposits": "-16.1", "Other Liabilities": "6.60", "Debt": "2.75", "Expenses": "3.58", "Revenues": "-2.29", "Net Income": "0.624", "Labor and Related Expense": "0.506", "Other Expenses": "0.599", "Selling and Marketing Expense": "0.521", "Operating Expenses": "1.23", "Other Revenues": "-2.29", "Comprehensive Net Income": "0.713", "Economic Capital Ratio": "-1.94" }, "2019": { "Other Assets": "-4.76", "Assets": "0.870", "Liabilities": "-2.22", "Expenses": "3.05", "Revenues": "-2.30", "Stockholders Equity": "-1.16", "ECR before LimitedLiability": "-1.38", "Cash and Cash Equivalents": "0.761", "Notes Receivable": "-2.05", "Loans": "7.02", "Securities": "-0.443", "Deposits": "-17.2", "Debt": "4.13", "Other Liabilities": "6.67", "General and Administrative Expense": "0.355", "Other Expenses": "0.327", "Operating Expenses": "0.597", "Selling and Marketing Expense": "0.679", "Labor and Related Expense": "0.564", "Other Revenues": "-2.30", "Economic Capital Ratio": "-1.57" }, "2020": { "Other Liabilities": "6.49", "Liabilities": "-2.15", "Stockholders Equity": "-2.19", "ECR before LimitedLiability": "-3.01", "Deposits": "-18.8", "Debt": "3.50", "Expenses": "1.43", "General and Administrative Expense": "0.498", "Selling and Marketing Expense": "0.641", "Operating Expenses": "1.14", "Labor and Related Expense": "-0.593", "Occupancy": "-0.330", "Other Revenues": "-3.00", "Revenues": "-3.00", "Notes Receivable": "-4.77", "Other Assets": "-5.55", "Loans": "7.75", "Cash and Cash Equivalents": "1.53", "Securities": "-0.364", "Economic Capital Ratio": "-3.35", "Other Net Income": "1.62" }, "2021": { "Other Liabilities": "5.77", "Liabilities": "-2.61", "Stockholders Equity": "-2.47", "ECR before LimitedLiability": "-4.47", "Deposits": "-17.5", "Debt": "3.58", "Selling and Marketing Expense": "0.679", "Expenses": "1.88", "Net Income": "-0.928", "Operating Expenses": "1.06", "General and Administrative Expense": "0.688", "Other Revenues": "-3.48", "Revenues": "-3.48", "Securities": "-0.351", "Loans": "6.38", "Other Assets": "-2.70", "Notes Receivable": "-5.72", "Cash and Cash Equivalents": "0.906", "Comprehensive Net Income": "-1.00", "Other Net Income": "1.03", "Economic Capital Ratio": "-4.91" }, "2022": { "Deposits": "-19.3", "Liabilities": "-2.96", "Loans": "8.24", "Stockholders Equity": "-2.76", "Other Liabilities": "4.13", "Debt": "3.07", "Expenses": "2.67", "Revenues": "-3.40", "Comprehensive Net Income": "-0.906", "General and Administrative Expense": "0.771", "Other Expenses": "-0.437", "Selling and Marketing Expense": "0.820", "Operating Expenses": "1.60", "Other Revenues": "-3.40", "ECR before LimitedLiability": "-3.84", "Other Assets": "-3.88", "Securities": "-0.384", "Notes Receivable": "-8.68", "Other Compr. Net Income": "-0.742", "Other Net Income": "1.01", "Economic Capital Ratio": "-4.31" }, "2023": { "Assets": "1.62", "Liabilities": "-3.25", "Stockholders Equity": "-1.49", "Economic Capital Ratio": "-1.34", "Notes Receivable": "7.24", "Loans": "-2.03", "Other Assets": "-4.92", "Cash and Cash Equivalents": "-1.50", "Other Liabilities": "5.97", "Deposits": "-22.5", "Debt": "4.38", "Expenses": "5.21", "Revenues": "-4.53", "Net Income": "0.989", "Other Expenses": "-0.834", "Operating Expenses": "3.37", "Selling and Marketing Expense": "1.14", "General and Administrative Expense": "1.39", "Other Revenues": "-4.53", "Other Net Income": "1.36", "Comprehensive Net Income": "1.37" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000921183_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "27,561", "Debt": "0", "Deposits": "592,811", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "236", "Labor and Related Expense": "0", "Loans": "551,171", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "103,291", "Other Compr. Net Income": "-606", "Other Expenses": "4,122", "Other Liabilities": "13,057", "Other Net Income": "10,472", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "682,023", "Liabilities": "606,104", "Expenses": "4,122", "Revenues": "0", "Stockholders Equity": "75,919", "Net Income": "6,350", "Comprehensive Net Income": "5,744", "BaseVar": "651,664", "ECR before LimitedLiability": "6.8%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "37,564", "Debt": "0", "Deposits": "635,601", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "146", "Labor and Related Expense": "0", "Loans": "585,931", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "99,190", "Other Compr. Net Income": "-137", "Other Expenses": "4,402", "Other Liabilities": "6,120", "Other Net Income": "8,806", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "722,685", "Liabilities": "641,867", "Expenses": "4,402", "Revenues": "0", "Stockholders Equity": "80,818", "Net Income": "4,404", "Comprehensive Net Income": "4,267", "BaseVar": "688,948", "ECR before LimitedLiability": "6.5%", "Economic Capital Ratio": "14%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "20,709", "Debt": "0", "Deposits": "623,352", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "346", "Labor and Related Expense": "0", "Loans": "586,688", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "104,918", "Other Compr. Net Income": "-69", "Other Expenses": "2,888", "Other Liabilities": "5,470", "Other Net Income": "11,124", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "712,315", "Liabilities": "629,168", "Expenses": "2,888", "Revenues": "0", "Stockholders Equity": "83,147", "Net Income": "8,236", "Comprehensive Net Income": "8,167", "BaseVar": "677,782", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "44,399", "Debt": "0", "Deposits": "673,870", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "420", "Labor and Related Expense": "0", "Loans": "596,392", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "136,848", "Other Compr. Net Income": "1,142", "Other Expenses": "3,324", "Other Liabilities": "10,701", "Other Net Income": "11,117", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "777,639", "Liabilities": "684,991", "Expenses": "3,324", "Revenues": "0", "Stockholders Equity": "92,648", "Net Income": "7,793", "Comprehensive Net Income": "8,935", "BaseVar": "739,106", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "86,269", "Debt": "0", "Deposits": "795,204", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "140", "Labor and Related Expense": "15,646", "Loans": "642,630", "Notes Receivable": "0", "Occupancy": "4,429", "Operating Expenses": "0", "Other Assets": "180,681", "Other Compr. Net Income": "1,236", "Other Expenses": "9,581", "Other Liabilities": "10,984", "Other Net Income": "35,940", "Other Revenues": "1,190", "Professional Fees": "1,405", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "909,580", "Liabilities": "806,328", "Expenses": "31,061", "Revenues": "1,190", "Stockholders Equity": "103,252", "Net Income": "6,069", "Comprehensive Net Income": "7,305", "BaseVar": "892,668", "ECR before LimitedLiability": "6.9%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "94,143", "Debt": "0", "Deposits": "950,666", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "63", "Labor and Related Expense": "16,114", "Loans": "652,502", "Notes Receivable": "0", "Occupancy": "4,372", "Operating Expenses": "0", "Other Assets": "322,893", "Other Compr. Net Income": "-2,865", "Other Expenses": "11,102", "Other Liabilities": "8,778", "Other Net Income": "38,893", "Other Revenues": "3,017", "Professional Fees": "1,438", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,069,538", "Liabilities": "959,507", "Expenses": "33,026", "Revenues": "3,017", "Stockholders Equity": "110,031", "Net Income": "8,884", "Comprehensive Net Income": "6,019", "BaseVar": "1,053,423", "ECR before LimitedLiability": "6.0%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "36,259", "Debt": "0", "Deposits": "981,926", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "298", "Labor and Related Expense": "17,211", "Loans": "777,078", "Notes Receivable": "0", "Occupancy": "3,812", "Operating Expenses": "0", "Other Assets": "282,865", "Other Compr. Net Income": "-18,178", "Other Expenses": "9,618", "Other Liabilities": "16,642", "Other Net Income": "33,578", "Other Revenues": "1,682", "Professional Fees": "1,386", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,096,202", "Liabilities": "998,866", "Expenses": "32,027", "Revenues": "1,682", "Stockholders Equity": "97,336", "Net Income": "3,233", "Comprehensive Net Income": "-14,945", "BaseVar": "1,090,266", "ECR before LimitedLiability": "3.2%", "Economic Capital Ratio": "11%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "11,151", "Debt": "0", "Deposits": "976,793", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "2,399", "Labor and Related Expense": "18,113", "Loans": "0", "Notes Receivable": "845,692", "Occupancy": "3,626", "Operating Expenses": "0", "Other Assets": "250,292", "Other Compr. Net Income": "6,570", "Other Expenses": "9,530", "Other Liabilities": "20,236", "Other Net Income": "31,538", "Other Revenues": "1,860", "Professional Fees": "1,051", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,107,135", "Liabilities": "999,428", "Expenses": "32,320", "Revenues": "1,860", "Stockholders Equity": "107,707", "Net Income": "1,078", "Comprehensive Net Income": "7,648", "BaseVar": "1,089,426", "ECR before LimitedLiability": "5.8%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 31.0, "value": 0.1368437965080073, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000921183.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000921183.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000921183.svg" }, { "company_id": "0001084961", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001084961.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001084961.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001084961.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001084961_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001084961_main_keyfigs.svg", "name": "Encore Capital Group INC", "rank": 49, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001084961.svg", "report_text": "The relative strengths and weaknesses of Encore Capital Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Encore Capital Group INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Encore Capital Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 30% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001084961_2024_Encore_Capital_Group_INC.pdf", "shrinked_graph_json": { "2016": { "Assets": "-6.19", "Liabilities": "8.17", "Stockholders Equity": "-0.838", "ECR before LimitedLiability": "0.889", "Other Assets": "14.1", "Notes Receivable": "-1.57", "Loans": "-16.8", "Deposits": "12.8", "Other Liabilities": "-42.0", "Debt": "4.54", "Expenses": "-11.0", "Revenues": "11.2", "Comprehensive Net Income": "0.865", "Selling and Marketing Expense": "1.18", "General and Administrative Expense": "-1.48", "Labor and Related Expense": "-4.93", "Other Expenses": "8.18", "Depreciation and Amortization": "-0.660", "Operating Expenses": "-13.1", "Other Revenues": "11.2", "Other Net Income": "-4.92", "Economic Capital Ratio": "-0.378" }, "2017": { "Notes Receivable": "-1.39", "Assets": "-6.07", "Liabilities": "7.92", "Stockholders Equity": "-1.03", "ECR before LimitedLiability": "1.93", "Other Assets": "15.1", "Loans": "-17.5", "Other Liabilities": "-43.1", "Debt": "3.68", "Deposits": "13.6", "Expenses": "-11.0", "Revenues": "11.7", "Net Income": "1.26", "Other Expenses": "9.12", "Operating Expenses": "-12.6", "Labor and Related Expense": "-4.44", "General and Administrative Expense": "-2.04", "Other Revenues": "11.7", "Comprehensive Net Income": "1.85", "Other Net Income": "-4.15", "Economic Capital Ratio": "1.23" }, "2018": { "Other Assets": "16.0", "Assets": "-6.61", "Liabilities": "8.94", "Stockholders Equity": "-0.964", "ECR before LimitedLiability": "1.34", "Notes Receivable": "-1.24", "Loans": "-18.9", "Deposits": "14.1", "Other Liabilities": "-43.6", "Debt": "3.25", "Expenses": "-12.6", "Revenues": "13.0", "Net Income": "1.43", "Labor and Related Expense": "-5.25", "Other Expenses": "9.55", "Operating Expenses": "-15.2", "General and Administrative Expense": "-2.25", "Other Revenues": "13.0", "Comprehensive Net Income": "1.08", "Other Net Income": "-5.01", "Economic Capital Ratio": "1.07" }, "2019": { "Other Assets": "17.9", "Assets": "-5.88", "Liabilities": "9.48", "Stockholders Equity": "0.959", "ECR before LimitedLiability": "4.39", "Notes Receivable": "-2.21", "Loans": "-18.2", "Deposits": "15.6", "Debt": "4.63", "Other Liabilities": "-44.6", "General and Administrative Expense": "-1.84", "Expenses": "-12.9", "Revenues": "14.6", "Net Income": "1.86", "Other Expenses": "9.74", "Operating Expenses": "-16.3", "Labor and Related Expense": "-5.26", "Other Revenues": "14.6", "Comprehensive Net Income": "2.10", "Other Net Income": "-5.63", "Economic Capital Ratio": "4.20" }, "2020": { "Notes Receivable": "-5.45", "Assets": "-5.95", "Liabilities": "10.1", "Stockholders Equity": "1.90", "ECR before LimitedLiability": "5.84", "Other Assets": "17.8", "Loans": "-14.5", "Other Liabilities": "-38.4", "Deposits": "16.8", "Debt": "3.97", "Expenses": "-14.3", "Revenues": "16.6", "Net Income": "2.47", "General and Administrative Expense": "-1.89", "Operating Expenses": "-17.6", "Labor and Related Expense": "-5.62", "Other Expenses": "8.79", "Other Revenues": "16.6", "Comprehensive Net Income": "2.79", "Other Net Income": "-6.50", "Economic Capital Ratio": "5.50" }, "2021": { "Assets": "-6.54", "Liabilities": "11.2", "Stockholders Equity": "2.40", "ECR before LimitedLiability": "7.96", "Loans": "-13.4", "Other Assets": "18.7", "Notes Receivable": "-6.82", "Other Liabilities": "-44.2", "Deposits": "19.4", "Debt": "4.43", "Expenses": "-17.1", "Revenues": "19.4", "Net Income": "4.24", "Other Expenses": "8.90", "Operating Expenses": "-20.4", "Labor and Related Expense": "-6.42", "General and Administrative Expense": "-1.77", "Other Revenues": "19.4", "Comprehensive Net Income": "4.65", "Other Net Income": "-6.73", "Economic Capital Ratio": "7.53" }, "2022": { "Loans": "-11.6", "Assets": "-5.20", "Liabilities": "10.7", "Stockholders Equity": "3.18", "ECR before LimitedLiability": "7.37", "Other Assets": "18.8", "Notes Receivable": "-9.47", "Deposits": "16.4", "Other Liabilities": "-37.7", "Debt": "4.62", "Labor and Related Expense": "-5.62", "Expenses": "-15.7", "Revenues": "16.3", "Net Income": "2.87", "General and Administrative Expense": "-1.81", "Other Expenses": "8.33", "Operating Expenses": "-18.0", "Other Revenues": "16.3", "Comprehensive Net Income": "2.85", "Other Net Income": "-4.72", "Economic Capital Ratio": "6.90" }, "2023": { "Assets": "-5.53", "Liabilities": "5.54", "Stockholders Equity": "1.87", "Economic Capital Ratio": "-1.46", "Notes Receivable": "-16.3", "Loans": "-2.56", "Other Assets": "12.7", "Cash and Cash Equivalents": "-1.07", "Other Liabilities": "-30.1", "Deposits": "9.90", "Debt": "5.11", "Expenses": "-12.7", "Revenues": "8.59", "Net Income": "-2.67", "Labor and Related Expense": "-5.42", "Other Expenses": "6.06", "Operating Expenses": "-17.3", "Selling and Marketing Expense": "1.48", "Other Revenues": "8.59", "Other Net Income": "-4.67", "Comprehensive Net Income": "-3.25" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001084961_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "149,765", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "34,868", "General and Administrative Expense": "134,046", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "281,097", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "787,744", "Other Assets": "3,520,732", "Other Compr. Net Income": "12,664", "Other Expenses": "-411,806", "Other Liabilities": "3,069,982", "Other Net Income": "-186,492", "Other Revenues": "1,029,258", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,670,497", "Liabilities": "3,069,982", "Expenses": "825,949", "Revenues": "1,029,258", "Stockholders Equity": "600,515", "Net Income": "16,817", "Comprehensive Net Income": "29,481", "BaseVar": "4,397,421", "ECR before LimitedLiability": "9.8%", "Economic Capital Ratio": "17%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "212,139", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "39,977", "General and Administrative Expense": "158,080", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "315,742", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "862,498", "Other Assets": "4,278,573", "Other Compr. Net Income": "31,805", "Other Expenses": "-461,750", "Other Liabilities": "3,766,801", "Other Net Income": "-193,513", "Other Revenues": "1,187,038", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,490,712", "Liabilities": "3,766,801", "Expenses": "914,547", "Revenues": "1,187,038", "Stockholders Equity": "723,911", "Net Income": "78,978", "Comprehensive Net Income": "110,783", "BaseVar": "5,292,208", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "18%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "157,418", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "41,228", "General and Administrative Expense": "158,352", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "369,064", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "956,730", "Other Assets": "4,474,457", "Other Compr. Net Income": "-27,481", "Other Expenses": "-521,892", "Other Liabilities": "3,812,187", "Other Net Income": "-207,339", "Other Revenues": "1,320,557", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,631,875", "Liabilities": "3,812,187", "Expenses": "1,003,482", "Revenues": "1,320,557", "Stockholders Equity": "819,688", "Net Income": "109,736", "Comprehensive Net Income": "82,255", "BaseVar": "5,501,460", "ECR before LimitedLiability": "12%", "Economic Capital Ratio": "18%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "192,335", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "41,029", "General and Administrative Expense": "148,256", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "376,365", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "951,336", "Other Assets": "4,717,615", "Other Compr. Net Income": "21,181", "Other Expenses": "-533,317", "Other Liabilities": "3,884,544", "Other Net Income": "-253,211", "Other Revenues": "1,405,789", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,909,950", "Liabilities": "3,884,544", "Expenses": "983,669", "Revenues": "1,405,789", "Stockholders Equity": "1,025,406", "Net Income": "168,909", "Comprehensive Net Income": "190,090", "BaseVar": "5,729,172", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "21%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "189,184", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "42,780", "General and Administrative Expense": "149,113", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "378,176", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "967,838", "Other Assets": "4,675,339", "Other Compr. Net Income": "19,277", "Other Expenses": "-499,695", "Other Liabilities": "3,644,447", "Other Net Income": "-250,664", "Other Revenues": "1,501,400", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,864,523", "Liabilities": "3,644,447", "Expenses": "1,038,212", "Revenues": "1,501,400", "Stockholders Equity": "1,220,076", "Net Income": "212,524", "Comprehensive Net Income": "231,801", "BaseVar": "5,659,262", "ECR before LimitedLiability": "20%", "Economic Capital Ratio": "23%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "189,645", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "50,079", "General and Administrative Expense": "137,695", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "385,178", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "981,227", "Other Assets": "4,418,480", "Other Compr. Net Income": "14,846", "Other Expenses": "-487,612", "Other Liabilities": "3,422,864", "Other Net Income": "-196,731", "Other Revenues": "1,614,499", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,608,125", "Liabilities": "3,422,864", "Expenses": "1,066,567", "Revenues": "1,614,499", "Stockholders Equity": "1,185,261", "Net Income": "351,201", "Comprehensive Net Income": "366,047", "BaseVar": "5,461,816", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "26%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "143,912", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "50,494", "General and Administrative Expense": "145,798", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "375,135", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "936,173", "Other Assets": "4,364,448", "Other Compr. Net Income": "-45,268", "Other Expenses": "-455,002", "Other Liabilities": "3,328,733", "Other Net Income": "-151,185", "Other Revenues": "1,398,347", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,508,360", "Liabilities": "3,328,733", "Expenses": "1,052,598", "Revenues": "1,398,347", "Stockholders Equity": "1,179,627", "Net Income": "194,564", "Comprehensive Net Income": "149,296", "BaseVar": "5,242,246", "ECR before LimitedLiability": "19%", "Economic Capital Ratio": "23%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "158,364", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "41,737", "General and Administrative Expense": "144,862", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "391,532", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,206,145", "Other Assets": "4,472,122", "Other Compr. Net Income": "-25,104", "Other Expenses": "-551,903", "Other Liabilities": "3,693,948", "Other Net Income": "-196,799", "Other Revenues": "1,222,680", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,630,486", "Liabilities": "3,693,948", "Expenses": "1,232,373", "Revenues": "1,222,680", "Stockholders Equity": "936,538", "Net Income": "-206,492", "Comprehensive Net Income": "-231,596", "BaseVar": "5,500,695", "ECR before LimitedLiability": "5.7%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": -40.0, "value": 0.13562331993965177, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001084961.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001084961.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001084961.svg" }, { "company_id": "0001367859", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001367859.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001367859.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001367859.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001367859_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001367859_main_keyfigs.svg", "name": "Citizens Community Bancorp Inc", "rank": 50, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001367859.svg", "report_text": "The relative strengths and weaknesses of Citizens Community Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Citizens Community Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.7% points.The greatest weakness of Citizens Community Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 18% points.

The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001367859_2024_Citizens_Community_Bancorp_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.10", "Assets": "1.38", "Liabilities": "-3.82", "Stockholders Equity": "-2.25", "ECR before LimitedLiability": "-2.42", "Other Assets": "13.0", "Notes Receivable": "-1.46", "Loans": "-13.8", "Deposits": "-12.8", "Other Liabilities": "4.85", "Debt": "3.89", "Expenses": "4.87", "Revenues": "-3.79", "Comprehensive Net Income": "0.635", "Selling and Marketing Expense": "1.05", "General and Administrative Expense": "1.16", "Other Expenses": "-1.02", "Operating Expenses": "3.24", "Other Revenues": "-3.79", "Other Net Income": "-0.660", "Economic Capital Ratio": "-3.69" }, "2017": { "Notes Receivable": "-1.44", "Assets": "0.453", "Liabilities": "-3.84", "Stockholders Equity": "-3.13", "Securities": "-0.627", "Other Assets": "12.1", "Loans": "-14.8", "Other Liabilities": "4.00", "Debt": "3.42", "Deposits": "-11.0", "Expenses": "4.00", "Revenues": "-3.03", "Comprehensive Net Income": "0.211", "Selling and Marketing Expense": "0.566", "Operating Expenses": "2.24", "Labor and Related Expense": "0.636", "General and Administrative Expense": "0.513", "Other Revenues": "-3.03", "ECR before LimitedLiability": "-3.39", "Other Net Income": "-0.666", "Economic Capital Ratio": "-4.09" }, "2018": { "Other Assets": "14.9", "Assets": "1.23", "Liabilities": "-2.24", "Expenses": "3.68", "Stockholders Equity": "-0.824", "ECR before LimitedLiability": "-1.46", "Notes Receivable": "-1.10", "Securities": "-0.444", "Loans": "-15.2", "Deposits": "-10.1", "Other Liabilities": "5.00", "Debt": "2.72", "Labor and Related Expense": "0.499", "Other Expenses": "0.723", "Selling and Marketing Expense": "0.514", "Operating Expenses": "1.21", "General and Administrative Expense": "0.210", "Other Revenues": "-2.26", "Revenues": "-2.26", "Economic Capital Ratio": "-1.73", "Other Net Income": "-0.952" }, "2019": { "Other Assets": "-4.57", "Assets": "-0.417", "Liabilities": "-1.94", "Expenses": "1.15", "Stockholders Equity": "-2.21", "ECR before LimitedLiability": "-2.65", "Notes Receivable": "13.7", "Loans": "-15.2", "Securities": "-0.487", "Deposits": "-10.4", "Debt": "4.43", "Other Liabilities": "4.42", "General and Administrative Expense": "0.385", "Operating Expenses": "0.649", "Selling and Marketing Expense": "0.738", "Labor and Related Expense": "-0.499", "Interest Expense": "0.173", "Other Revenues": "-1.73", "Revenues": "-1.73", "Economic Capital Ratio": "-2.84", "Other Net Income": "0.720" }, "2020": { "Notes Receivable": "13.4", "Assets": "0.689", "Liabilities": "-3.66", "Expenses": "4.32", "Stockholders Equity": "-2.69", "ECR before LimitedLiability": "-3.64", "Other Assets": "-5.72", "Loans": "-11.4", "Cash and Cash Equivalents": "0.681", "Other Liabilities": "5.40", "Deposits": "-13.2", "Debt": "3.46", "General and Administrative Expense": "0.497", "Selling and Marketing Expense": "0.639", "Operating Expenses": "1.14", "Labor and Related Expense": "0.811", "Other Expenses": "0.434", "Other Revenues": "-3.07", "Revenues": "-3.07", "Economic Capital Ratio": "-3.98", "Other Net Income": "-0.764" }, "2021": { "Assets": "0.854", "Liabilities": "-3.60", "Stockholders Equity": "-2.47", "ECR before LimitedLiability": "-4.19", "Loans": "-10.3", "Other Assets": "-4.59", "Notes Receivable": "13.4", "Cash and Cash Equivalents": "-1.34", "Other Liabilities": "5.19", "Deposits": "-12.4", "Debt": "3.45", "Selling and Marketing Expense": "0.653", "Expenses": "4.23", "Revenues": "-3.56", "Net Income": "-0.567", "Operating Expenses": "1.01", "Labor and Related Expense": "0.999", "General and Administrative Expense": "0.661", "Other Revenues": "-3.56", "Other Net Income": "-0.575", "Economic Capital Ratio": "-4.63" }, "2022": { "Loans": "-9.60", "Assets": "1.22", "Liabilities": "-3.70", "Stockholders Equity": "-2.32", "Other Assets": "-4.69", "Cash and Cash Equivalents": "-0.654", "Notes Receivable": "11.7", "Deposits": "-13.3", "Other Liabilities": "4.42", "Debt": "4.29", "Labor and Related Expense": "1.21", "Expenses": "4.40", "Revenues": "-3.24", "Net Income": "0.449", "General and Administrative Expense": "0.704", "Selling and Marketing Expense": "0.750", "Operating Expenses": "1.46", "Other Revenues": "-3.24", "ECR before LimitedLiability": "-2.48", "Other Net Income": "-0.547", "Economic Capital Ratio": "-2.95" }, "2023": { "Assets": "2.71", "Liabilities": "-4.25", "Stockholders Equity": "-1.52", "ECR before LimitedLiability": "0.431", "Notes Receivable": "7.71", "Loans": "-1.99", "Other Assets": "-5.32", "Cash and Cash Equivalents": "-1.10", "Other Liabilities": "5.28", "Deposits": "-18.4", "Debt": "4.28", "Expenses": "5.22", "Revenues": "-4.56", "Net Income": "1.51", "Labor and Related Expense": "1.15", "Operating Expenses": "3.29", "Selling and Marketing Expense": "1.12", "General and Administrative Expense": "1.36", "Other Revenues": "-4.56", "Comprehensive Net Income": "1.39", "Economic Capital Ratio": "-1.47" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001367859_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "10,046", "Debt": "0", "Deposits": "557,677", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "685,819", "Other Compr. Net Income": "828", "Other Expenses": "1,286", "Other Liabilities": "73,644", "Other Net Income": "3,859", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "695,865", "Liabilities": "631,321", "Expenses": "1,286", "Revenues": "0", "Stockholders Equity": "64,544", "Net Income": "2,573", "Comprehensive Net Income": "3,401", "BaseVar": "666,580", "ECR before LimitedLiability": "5.4%", "Economic Capital Ratio": "13%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "41,677", "Debt": "0", "Deposits": "742,504", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "898,987", "Other Compr. Net Income": "0", "Other Expenses": "1,323", "Other Liabilities": "124,677", "Other Net Income": "3,822", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "940,664", "Liabilities": "867,181", "Expenses": "1,323", "Revenues": "0", "Stockholders Equity": "73,483", "Net Income": "2,499", "Comprehensive Net Income": "2,499", "BaseVar": "906,495", "ECR before LimitedLiability": "4.3%", "Economic Capital Ratio": "12%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "34,494", "Debt": "0", "Deposits": "746,529", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "940,915", "Other Compr. Net Income": "-2,302", "Other Expenses": "2,326", "Other Liabilities": "93,033", "Other Net Income": "6,609", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "975,409", "Liabilities": "839,562", "Expenses": "2,326", "Revenues": "0", "Stockholders Equity": "135,847", "Net Income": "4,283", "Comprehensive Net Income": "1,981", "BaseVar": "913,104", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "55,840", "Debt": "0", "Deposits": "1,195,702", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "20,325", "Loans": "0", "Notes Receivable": "1,167,060", "Occupancy": "3,697", "Operating Expenses": "0", "Other Assets": "308,349", "Other Compr. Net Income": "-1,399", "Other Expenses": "16,207", "Other Liabilities": "184,994", "Other Net Income": "39,988", "Other Revenues": "14,975", "Professional Fees": "2,457", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,531,249", "Liabilities": "1,380,696", "Expenses": "42,686", "Revenues": "14,975", "Stockholders Equity": "150,553", "Net Income": "12,277", "Comprehensive Net Income": "10,878", "BaseVar": "1,505,496", "ECR before LimitedLiability": "5.9%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "119,440", "Debt": "0", "Deposits": "1,295,256", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,220,538", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "309,117", "Other Compr. Net Income": "1,961", "Other Expenses": "4,555", "Other Liabilities": "193,275", "Other Net Income": "17,280", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,649,095", "Liabilities": "1,488,531", "Expenses": "4,555", "Revenues": "0", "Stockholders Equity": "160,564", "Net Income": "12,725", "Comprehensive Net Income": "14,686", "BaseVar": "1,580,711", "ECR before LimitedLiability": "6.1%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "47,691", "Debt": "0", "Deposits": "1,387,535", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,294,050", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "397,887", "Other Compr. Net Income": "-1,329", "Other Expenses": "7,693", "Other Liabilities": "181,227", "Other Net Income": "28,959", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,739,628", "Liabilities": "1,568,762", "Expenses": "7,693", "Revenues": "0", "Stockholders Equity": "170,866", "Net Income": "21,266", "Comprehensive Net Income": "19,937", "BaseVar": "1,673,186", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "35,363", "Debt": "0", "Deposits": "1,424,720", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,393,845", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "387,178", "Other Compr. Net Income": "-17,817", "Other Expenses": "5,820", "Other Liabilities": "224,578", "Other Net Income": "23,581", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,816,386", "Liabilities": "1,649,298", "Expenses": "5,820", "Revenues": "0", "Stockholders Equity": "167,088", "Net Income": "17,761", "Comprehensive Net Income": "-56", "BaseVar": "1,756,451", "ECR before LimitedLiability": "4.8%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "37,138", "Debt": "0", "Deposits": "1,519,092", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,437,884", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "376,369", "Other Compr. Net Income": "328", "Other Expenses": "5,873", "Other Liabilities": "158,965", "Other Net Income": "18,932", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,851,391", "Liabilities": "1,678,057", "Expenses": "5,873", "Revenues": "0", "Stockholders Equity": "173,334", "Net Income": "13,059", "Comprehensive Net Income": "13,387", "BaseVar": "1,777,290", "ECR before LimitedLiability": "5.7%", "Economic Capital Ratio": "14%" } } }, "top_rated": false, "trend": 15.0, "value": 0.13549067307292234, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001367859.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001367859.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001367859.svg" }, { "company_id": "0001157647", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001157647.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001157647.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001157647.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001157647_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001157647_main_keyfigs.svg", "name": "Western New England Bancorp Inc", "rank": 51, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001157647.svg", "report_text": "The relative strengths and weaknesses of Western New England Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Western New England Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.8% points.The greatest weakness of Western New England Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 20% points.

The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001157647_2024_Western_New_England_Bancorp_Inc.pdf", "shrinked_graph_json": { "2018": { "Other Assets": "-4.39", "Assets": "0.668", "Liabilities": "-2.89", "Stockholders Equity": "-1.99", "ECR before LimitedLiability": "-2.22", "Notes Receivable": "-1.15", "Securities": "-0.464", "Cash and Cash Equivalents": "-1.23", "Loans": "6.58", "Deposits": "-8.84", "Other Liabilities": "5.98", "Debt": "-1.55", "Expenses": "3.85", "Labor and Related Expense": "0.518", "Other Expenses": "0.766", "Selling and Marketing Expense": "0.532", "Operating Expenses": "1.26", "Other Revenues": "-2.33", "Revenues": "-2.33", "Economic Capital Ratio": "-2.49", "Other Net Income": "-0.741" }, "2019": { "Other Assets": "-4.45", "Assets": "0.816", "Liabilities": "-2.71", "Expenses": "3.40", "Revenues": "-2.37", "Stockholders Equity": "-1.69", "ECR before LimitedLiability": "-2.21", "Cash and Cash Equivalents": "-1.36", "Notes Receivable": "-2.13", "Loans": "7.06", "Securities": "-0.462", "Deposits": "-10.7", "Other Liabilities": "5.86", "General and Administrative Expense": "0.367", "Other Expenses": "0.550", "Operating Expenses": "0.618", "Selling and Marketing Expense": "0.703", "Labor and Related Expense": "0.583", "Other Revenues": "-2.37", "Economic Capital Ratio": "-2.40", "Other Net Income": "-0.744" }, "2020": { "Notes Receivable": "-4.87", "Assets": "0.812", "Liabilities": "-3.86", "Expenses": "4.57", "Stockholders Equity": "-2.78", "ECR before LimitedLiability": "-4.14", "Other Assets": "-5.62", "Loans": "9.81", "Cash and Cash Equivalents": "-2.06", "Other Liabilities": "5.48", "Deposits": "-18.2", "Debt": "2.34", "General and Administrative Expense": "0.507", "Selling and Marketing Expense": "0.653", "Operating Expenses": "1.17", "Labor and Related Expense": "0.828", "Other Expenses": "0.575", "Other Revenues": "-3.13", "Revenues": "-3.13", "Economic Capital Ratio": "-4.48", "Other Net Income": "-1.14" }, "2021": { "Assets": "0.791", "Liabilities": "-3.99", "Stockholders Equity": "-2.91", "ECR before LimitedLiability": "-4.85", "Loans": "8.89", "Other Assets": "-3.40", "Notes Receivable": "-5.67", "Cash and Cash Equivalents": "-2.34", "Other Liabilities": "5.31", "Deposits": "-18.0", "Debt": "3.52", "Expenses": "4.49", "Revenues": "-3.63", "Net Income": "-0.820", "Operating Expenses": "1.04", "Labor and Related Expense": "1.03", "General and Administrative Expense": "0.680", "Other Revenues": "-3.63", "Comprehensive Net Income": "-0.716", "Other Net Income": "-0.931", "Economic Capital Ratio": "-5.29" }, "2022": { "Loans": "10.9", "Assets": "1.23", "Liabilities": "-3.80", "Stockholders Equity": "-2.38", "ECR before LimitedLiability": "-2.15", "Other Assets": "-4.16", "Cash and Cash Equivalents": "-1.37", "Notes Receivable": "-7.96", "Deposits": "-19.1", "Other Liabilities": "5.15", "Debt": "4.23", "Labor and Related Expense": "1.19", "Expenses": "4.72", "Revenues": "-3.19", "Comprehensive Net Income": "0.752", "General and Administrative Expense": "0.692", "Selling and Marketing Expense": "0.736", "Operating Expenses": "1.43", "Other Revenues": "-3.19", "Other Net Income": "-0.489", "Economic Capital Ratio": "-2.62" }, "2023": { "Assets": "2.76", "Liabilities": "-4.33", "Stockholders Equity": "-1.55", "Economic Capital Ratio": "-1.52", "Notes Receivable": "7.84", "Loans": "-2.00", "Other Assets": "-4.92", "Cash and Cash Equivalents": "-1.82", "Other Liabilities": "5.32", "Deposits": "-19.6", "Debt": "4.28", "Expenses": "5.19", "Revenues": "-4.56", "Net Income": "1.41", "Labor and Related Expense": "1.15", "Operating Expenses": "3.30", "Selling and Marketing Expense": "1.12", "General and Administrative Expense": "1.36", "Other Revenues": "-4.56", "Other Net Income": "-0.403", "Comprehensive Net Income": "1.38" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001157647_strength_weakness.svg", "table_records": { "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "208,018", "Deposits": "1,595,993", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,684,804", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "434,018", "Other Compr. Net Income": "-1,101", "Other Expenses": "4,700", "Other Liabilities": "77,782", "Other Net Income": "21,108", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,118,822", "Liabilities": "1,881,793", "Expenses": "4,700", "Revenues": "0", "Stockholders Equity": "237,029", "Net Income": "16,408", "Comprehensive Net Income": "15,307", "BaseVar": "2,013,762", "ECR before LimitedLiability": "6.7%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "205,515", "Deposits": "1,677,864", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,761,932", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "419,544", "Other Compr. Net Income": "4,441", "Other Expenses": "3,852", "Other Liabilities": "66,073", "Other Net Income": "17,201", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,181,476", "Liabilities": "1,949,452", "Expenses": "3,852", "Revenues": "0", "Stockholders Equity": "232,024", "Net Income": "13,349", "Comprehensive Net Income": "17,790", "BaseVar": "2,078,211", "ECR before LimitedLiability": "6.5%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "57,850", "Deposits": "2,038,130", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,906,226", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "459,660", "Other Compr. Net Income": "-2,311", "Other Expenses": "2,941", "Other Liabilities": "43,266", "Other Net Income": "14,156", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,365,886", "Liabilities": "2,139,246", "Expenses": "2,941", "Revenues": "0", "Stockholders Equity": "226,640", "Net Income": "11,215", "Comprehensive Net Income": "8,904", "BaseVar": "2,262,270", "ECR before LimitedLiability": "5.4%", "Economic Capital Ratio": "13%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,256,898", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,844,929", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "693,496", "Other Compr. Net Income": "-1,035", "Other Expenses": "8,025", "Other Liabilities": "57,839", "Other Net Income": "31,724", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,538,425", "Liabilities": "2,314,737", "Expenses": "8,025", "Revenues": "0", "Stockholders Equity": "223,688", "Net Income": "23,699", "Comprehensive Net Income": "22,664", "BaseVar": "2,446,973", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,229,443", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,971,469", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "581,681", "Other Compr. Net Income": "-12,728", "Other Expenses": "8,742", "Other Liabilities": "95,564", "Other Net Income": "34,629", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,553,150", "Liabilities": "2,325,007", "Expenses": "8,742", "Revenues": "0", "Stockholders Equity": "228,143", "Net Income": "25,887", "Comprehensive Net Income": "13,159", "BaseVar": "2,467,128", "ECR before LimitedLiability": "5.2%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,143,744", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "2,007,050", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "557,521", "Other Compr. 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We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of ESSA Bancorp Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 13% points.The greatest weakness of ESSA Bancorp Inc is the variable Notes Receivable, reducing the Economic Capital Ratio by 13% points.

The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001382230_2024_ESSA_Bancorp_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-0.704", "Assets": "1.54", "Liabilities": "-3.66", "Stockholders Equity": "-1.95", "ECR before LimitedLiability": "-2.14", "Other Assets": "-2.98", "Notes Receivable": "-1.43", "Loans": "5.55", "Deposits": "-7.22", "Debt": "3.85", "Expenses": "5.14", "Revenues": "-3.74", "Comprehensive Net Income": "0.610", "Selling and Marketing Expense": "1.04", "General and Administrative Expense": "1.15", "Labor and Related Expense": "0.609", "Other Expenses": "-0.973", "Operating Expenses": "3.20", "Other Revenues": "-3.74", "Other Net Income": "-0.627", "Economic Capital Ratio": "-3.41" }, "2017": { "Notes Receivable": "-1.34", "Assets": "0.918", "Liabilities": "-3.15", "Stockholders Equity": "-2.03", "ECR before LimitedLiability": "-2.12", "Securities": "-0.582", "Cash and Cash Equivalents": "-0.746", "Other Assets": "-2.59", "Loans": "5.44", "Other Liabilities": "1.70", "Debt": "3.27", "Deposits": "-7.81", "Expenses": "4.32", "Selling and Marketing Expense": "0.534", "Operating Expenses": "2.11", "Labor and Related Expense": "0.599", "General and Administrative Expense": "0.483", "Other Revenues": "-2.88", "Revenues": "-2.88", "Economic Capital Ratio": "-2.82", "Other Net Income": "-0.548" }, "2018": { "Other Assets": "-2.77", "Assets": "0.460", "Liabilities": "-3.33", "Stockholders Equity": "-2.63", "ECR before LimitedLiability": "-3.15", "Notes Receivable": "-1.21", "Securities": "-0.489", "Cash and Cash Equivalents": "-0.403", "Loans": "5.04", "Deposits": "-7.55", "Other Liabilities": "1.65", "Debt": "2.89", "Expenses": "3.93", "Labor and Related Expense": "0.540", "Other Expenses": "0.725", "Selling and Marketing Expense": "0.555", "Operating Expenses": "1.31", "Other Revenues": "-2.42", "Revenues": "-2.42", "Economic Capital Ratio": "-3.42", "Other Net Income": "-1.05" }, "2019": { "Other Assets": "-3.24", "Assets": "0.723", "Liabilities": "-2.66", "Expenses": "3.40", "Stockholders Equity": "-1.73", "ECR before LimitedLiability": "-1.95", "Notes Receivable": "-2.10", "Loans": "6.26", "Securities": "-0.456", "Deposits": "-9.47", "Debt": "4.20", "Other Liabilities": "2.73", "General and Administrative Expense": "0.363", "Other Expenses": "0.580", "Operating Expenses": "0.611", "Selling and Marketing Expense": "0.695", "Labor and Related Expense": "0.577", "Other Revenues": "-2.35", "Revenues": "-2.35", "Economic Capital Ratio": "-2.14", "Other Net Income": "-0.701" }, "2020": { "Notes Receivable": "-4.78", "Assets": "0.815", "Liabilities": "-3.62", "Expenses": "4.44", "Stockholders Equity": "-2.54", "ECR before LimitedLiability": "-3.71", "Other Assets": "-6.22", "Loans": "8.61", "Cash and Cash Equivalents": "1.11", "Other Liabilities": "5.42", "Deposits": "-15.2", "Debt": "3.47", "General and Administrative Expense": "0.498", "Selling and Marketing Expense": "0.641", "Operating Expenses": "1.14", "Labor and Related Expense": "0.813", "Other Expenses": "0.527", "Other Revenues": "-3.08", "Revenues": "-3.08", "Economic Capital Ratio": "-4.05", "Other Net Income": "-0.858" }, "2021": { "Assets": "1.19", "Liabilities": "-3.46", "Stockholders Equity": "-2.01", "ECR before LimitedLiability": "-3.76", "Loans": "9.43", "Other Assets": "-5.38", "Notes Receivable": "-5.42", "Cash and Cash Equivalents": "0.848", "Other Liabilities": "6.29", "Deposits": "-18.4", "Debt": "3.38", "Selling and Marketing Expense": "0.637", "Expenses": "4.37", "Revenues": "-3.49", "Net Income": "-0.813", "Operating Expenses": "0.989", "Labor and Related Expense": "0.975", "General and Administrative Expense": "0.646", "Other Revenues": "-3.49", "Other Net Income": "-1.02", "Economic Capital Ratio": "-4.19" }, "2022": { "Loans": "11.9", "Assets": "1.75", "Liabilities": "-3.19", "Stockholders Equity": "-1.26", "ECR before LimitedLiability": "-0.752", "Other Assets": "-4.19", "Cash and Cash Equivalents": "-0.739", "Notes Receivable": "-7.58", "Deposits": "-11.6", "Other Liabilities": "4.13", "Debt": "4.01", "Labor and Related Expense": "1.11", "Expenses": "4.64", "Revenues": "-3.02", "Net Income": "0.508", "General and Administrative Expense": "0.647", "Selling and Marketing Expense": "0.688", "Operating Expenses": "1.34", "Other Revenues": "-3.02", "Comprehensive Net Income": "1.02", "Economic Capital Ratio": "-1.22" }, "2023": { "Assets": "2.75", "Liabilities": "-4.19", "Stockholders Equity": "-1.43", "Economic Capital Ratio": "-1.54", "Notes Receivable": "-12.9", "Loans": "13.4", "Other Assets": "-4.58", "Cash and Cash Equivalents": "-0.462", "Other Liabilities": "3.80", "Deposits": "-12.3", "Debt": "4.29", "Expenses": "5.17", "Net Income": "1.61", "Labor and Related Expense": "1.16", "Operating Expenses": "3.31", "Selling and Marketing Expense": "1.12", "General and Administrative Expense": "1.36", "Other Revenues": "-4.57", "Revenues": "-4.57", "Other Compr. Net Income": "-0.374", "Comprehensive Net Income": "1.21" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001382230_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "43,658", "Debt": "0", "Deposits": "1,214,820", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,219,213", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "509,608", "Other Compr. Net Income": "563", "Other Expenses": "2,583", "Other Liabilities": "381,315", "Other Net Income": "10,310", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,772,479", "Liabilities": "1,596,135", "Expenses": "2,583", "Revenues": "0", "Stockholders Equity": "176,344", "Net Income": "7,727", "Comprehensive Net Income": "8,290", "BaseVar": "1,691,035", "ECR before LimitedLiability": "5.7%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "41,683", "Debt": "0", "Deposits": "1,274,861", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,236,681", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "506,854", "Other Compr. Net Income": "1,078", "Other Expenses": "1,591", "Other Liabilities": "327,630", "Other Net Income": "8,930", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,785,218", "Liabilities": "1,602,491", "Expenses": "1,591", "Revenues": "0", "Stockholders Equity": "182,727", "Net Income": "7,339", "Comprehensive Net Income": "8,417", "BaseVar": "1,699,654", "ECR before LimitedLiability": "5.9%", "Economic Capital Ratio": "14%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "43,539", "Debt": "0", "Deposits": "1,336,855", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,305,071", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "485,180", "Other Compr. Net Income": "0", "Other Expenses": "5,664", "Other Liabilities": "317,749", "Other Net Income": "12,195", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,833,790", "Liabilities": "1,654,604", "Expenses": "5,664", "Revenues": "0", "Stockholders Equity": "179,186", "Net Income": "6,531", "Comprehensive Net Income": "6,531", "BaseVar": "1,753,126", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "13%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "52,242", "Debt": "0", "Deposits": "1,342,830", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,328,653", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "418,532", "Other Compr. Net Income": "8,626", "Other Expenses": "2,415", "Other Liabilities": "267,089", "Other Net Income": "15,038", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,799,427", "Liabilities": "1,609,919", "Expenses": "2,415", "Revenues": "0", "Stockholders Equity": "189,508", "Net Income": "12,623", "Comprehensive Net Income": "21,249", "BaseVar": "1,717,712", "ECR before LimitedLiability": "6.8%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "155,917", "Debt": "0", "Deposits": "1,543,696", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,418,182", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "319,416", "Other Compr. Net Income": "-2,776", "Other Expenses": "3,183", "Other Liabilities": "158,422", "Other Net Income": "17,599", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,893,515", "Liabilities": "1,702,118", "Expenses": "3,183", "Revenues": "0", "Stockholders Equity": "191,397", "Net Income": "14,416", "Comprehensive Net Income": "11,640", "BaseVar": "1,809,596", "ECR before LimitedLiability": "6.0%", "Economic Capital Ratio": "14%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "158,946", "Debt": "0", "Deposits": "1,636,115", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,340,853", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "361,637", "Other Compr. Net Income": "4,738", "Other Expenses": "3,473", "Other Liabilities": "23,499", "Other Net Income": "19,897", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,861,436", "Liabilities": "1,659,614", "Expenses": "3,473", "Revenues": "0", "Stockholders Equity": "201,822", "Net Income": "16,424", "Comprehensive Net Income": "21,162", "BaseVar": "1,774,579", "ECR before LimitedLiability": "6.9%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "27,937", "Debt": "0", "Deposits": "1,380,021", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,435,783", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "398,097", "Other Compr. Net Income": "-3,576", "Other Expenses": "4,934", "Other Liabilities": "269,459", "Other Net Income": "25,004", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,861,817", "Liabilities": "1,649,480", "Expenses": "4,934", "Revenues": "0", "Stockholders Equity": "212,337", "Net Income": "20,070", "Comprehensive Net Income": "16,494", "BaseVar": "1,772,406", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "85,402", "Debt": "0", "Deposits": "1,661,016", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,680,525", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "527,319", "Other Compr. Net Income": "-6,599", "Other Expenses": "4,494", "Other Liabilities": "412,522", "Other Net Income": "23,070", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,293,246", "Liabilities": "2,073,538", "Expenses": "4,494", "Revenues": "0", "Stockholders Equity": "219,708", "Net Income": "18,576", "Comprehensive Net Income": "11,977", "BaseVar": "2,200,474", "ECR before LimitedLiability": "5.6%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": -14.0, "value": 0.13476997741197524, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001382230.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001382230.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001382230.svg" }, { "company_id": "0001163370", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001163370.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001163370.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001163370.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001163370_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001163370_main_keyfigs.svg", "name": "Northrim Bancorp INC", "rank": 53, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001163370.svg", "report_text": "The relative strengths and weaknesses of Northrim Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Northrim Bancorp INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 5.7% points.The greatest weakness of Northrim Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 22% points.

The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001163370_2024_Northrim_Bancorp_INC.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.49", "Assets": "1.68", "Liabilities": "-2.85", "Stockholders Equity": "-0.967", "Economic Capital Ratio": "-2.02", "Securities": "6.78", "Other Assets": "-6.42", "Notes Receivable": "-1.33", "Loans": "5.99", "Deposits": "-15.6", "Other Liabilities": "6.55", "Debt": "3.68", "Expenses": "5.29", "Revenues": "-3.59", "Net Income": "0.920", "Selling and Marketing Expense": "0.975", "General and Administrative Expense": "1.08", "Other Expenses": "-1.11", "Operating Expenses": "3.00", "Other Revenues": "-3.59", "Comprehensive Net Income": "0.972" }, "2017": { "Notes Receivable": "-1.25", "Assets": "1.03", "Liabilities": "-2.21", "Stockholders Equity": "-0.992", "ECR before LimitedLiability": "-0.713", "Securities": "6.81", "Cash and Cash Equivalents": "-1.48", "Other Assets": "-5.41", "Loans": "3.77", "Other Liabilities": "6.71", "Debt": "3.14", "Deposits": "-14.5", "Expenses": "3.51", "Revenues": "-2.76", "Net Income": "0.667", "Selling and Marketing Expense": "0.504", "Operating Expenses": "1.98", "Labor and Related Expense": "0.566", "Other Revenues": "-2.76", "Comprehensive Net Income": "0.690", "Economic Capital Ratio": "-1.42" }, "2018": { "Other Assets": "-5.41", "Assets": "-0.730", "Liabilities": "-0.447", "Stockholders Equity": "-1.21", "ECR before LimitedLiability": "-0.583", "Notes Receivable": "-1.11", "Securities": "7.53", "Cash and Cash Equivalents": "-1.18", "Loans": "2.03", "Deposits": "-11.5", "Other Liabilities": "7.53", "Debt": "2.78", "Other Revenues": "-1.89", "Revenues": "-1.89", "Net Income": "0.813", "Comprehensive Net Income": "0.907", "Labor and Related Expense": "-1.74", "Other Net Income": "3.08", "Selling and Marketing Expense": "0.400", "Operating Expenses": "1.23", "Economic Capital Ratio": "-0.853" }, "2019": { "Other Assets": "-4.34", "Assets": "-0.690", "Liabilities": "-0.423", "Stockholders Equity": "-1.13", "ECR before LimitedLiability": "-1.18", "Cash and Cash Equivalents": "-1.34", "Notes Receivable": "-2.11", "Loans": "2.34", "Securities": "6.77", "Deposits": "-13.6", "Debt": "4.30", "Other Liabilities": "6.80", "General and Administrative Expense": "0.369", "Expenses": "-0.599", "Operating Expenses": "0.620", "Selling and Marketing Expense": "0.587", "Labor and Related Expense": "-1.83", "Other Revenues": "-2.12", "Revenues": "-2.12", "Economic Capital Ratio": "-1.37", "Other Net Income": "3.21" }, "2020": { "Notes Receivable": "-4.82", "Assets": "-0.963", "Liabilities": "-1.81", "Stockholders Equity": "-2.64", "ECR before LimitedLiability": "-2.96", "Other Assets": "-1.89", "Loans": "6.94", "Cash and Cash Equivalents": "-2.02", "Securities": "-0.368", "Other Liabilities": "6.39", "Deposits": "-16.9", "Debt": "3.55", "Expenses": "0.461", "General and Administrative Expense": "0.505", "Selling and Marketing Expense": "0.559", "Operating Expenses": "1.16", "Labor and Related Expense": "-1.47", "Other Revenues": "-3.05", "Revenues": "-3.05", "Economic Capital Ratio": "-3.30", "Other Net Income": "3.34" }, "2021": { "Assets": "-0.652", "Liabilities": "-2.75", "Stockholders Equity": "-3.15", "ECR before LimitedLiability": "-4.73", "Loans": "-10.7", "Other Assets": "4.71", "Notes Receivable": "8.16", "Cash and Cash Equivalents": "-2.41", "Other Liabilities": "5.45", "Deposits": "-16.6", "Debt": "3.64", "Expenses": "1.44", "Revenues": "-3.68", "Net Income": "-0.653", "Operating Expenses": "1.08", "Labor and Related Expense": "-0.807", "General and Administrative Expense": "0.701", "Other Revenues": "-3.68", "Comprehensive Net Income": "-0.613", "Other Net Income": "2.02", "Economic Capital Ratio": "-5.17" }, "2022": { "Deposits": "-18.8", "Liabilities": "-2.80", "Loans": "-10.0", "Stockholders Equity": "-2.98", "Other Liabilities": "4.70", "Debt": "3.93", "Labor and Related Expense": "-0.665", "Expenses": "1.94", "Revenues": "-3.28", "Net Income": "0.416", "General and Administrative Expense": "0.745", "Other Expenses": "-0.489", "Selling and Marketing Expense": "0.699", "Operating Expenses": "1.54", "Other Revenues": "-3.28", "ECR before LimitedLiability": "-2.95", "Other Assets": "3.92", "Cash and Cash Equivalents": "-1.48", "Notes Receivable": "6.44", "Other Net Income": "2.21", "Economic Capital Ratio": "-3.42" }, "2023": { "Assets": "0.961", "Liabilities": "-3.27", "Stockholders Equity": "-2.11", "Economic Capital Ratio": "-1.56", "Notes Receivable": "5.11", "Loans": "-2.07", "Cash and Cash Equivalents": "-1.89", "Other Liabilities": "5.70", "Deposits": "-21.8", "Debt": "4.45", "Expenses": "4.68", "Revenues": "-4.66", "Net Income": "1.54", "Labor and Related Expense": "-0.671", "Other Expenses": "-0.868", "Operating Expenses": "3.44", "Selling and Marketing Expense": "1.07", "General and Administrative Expense": "1.41", "Other Revenues": "-4.66", "Other Net Income": "2.57", "Comprehensive Net Income": "1.80" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001163370_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,267,653", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "955,318", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "239,104", "Other Compr. Net Income": "-564", "Other Expenses": "6,052", "Other Liabilities": "72,175", "Other Net Income": "21,042", "Other Revenues": "0", "Professional Fees": "0", "Securities": "332,118", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,526,540", "Liabilities": "1,339,828", "Expenses": "6,052", "Revenues": "0", "Stockholders Equity": "186,712", "Net Income": "14,990", "Comprehensive Net Income": "14,426", "BaseVar": "1,447,013", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,258,283", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "934,206", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "272,153", "Other Compr. Net Income": "-115", "Other Expenses": "10,321", "Other Liabilities": "68,024", "Other Net Income": "23,799", "Other Revenues": "0", "Professional Fees": "0", "Securities": "312,750", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,519,109", "Liabilities": "1,326,307", "Expenses": "10,321", "Revenues": "0", "Stockholders Equity": "192,802", "Net Income": "13,478", "Comprehensive Net Income": "13,363", "BaseVar": "1,439,826", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,228,088", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "44,650", "Loans": "964,827", "Notes Receivable": "0", "Occupancy": "6,136", "Operating Expenses": "0", "Other Assets": "259,286", "Other Compr. Net Income": "-59", "Other Expenses": "17,814", "Other Liabilities": "68,953", "Other Net Income": "86,104", "Other Revenues": "8,863", "Professional Fees": "2,453", "Securities": "278,875", "Selling and Marketing Expense": "2,318" }, "output_variables": { "Assets": "1,502,988", "Liabilities": "1,297,041", "Expenses": "73,371", "Revenues": "8,863", "Stockholders Equity": "205,947", "Net Income": "21,596", "Comprehensive Net Income": "21,537", "BaseVar": "1,484,213", "ECR before LimitedLiability": "8.9%", "Economic Capital Ratio": "16%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,372,351", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "51,317", "Loans": "1,024,283", "Notes Receivable": "0", "Occupancy": "6,607", "Operating Expenses": "0", "Other Assets": "335,630", "Other Compr. Net Income": "951", "Other Expenses": "18,269", "Other Liabilities": "64,528", "Other Net Income": "91,165", "Other Revenues": "6,090", "Professional Fees": "2,531", "Securities": "284,083", "Selling and Marketing Expense": "2,373" }, "output_variables": { "Assets": "1,643,996", "Liabilities": "1,436,879", "Expenses": "81,097", "Revenues": "6,090", "Stockholders Equity": "207,117", "Net Income": "16,158", "Comprehensive Net Income": "17,109", "BaseVar": "1,630,089", "ECR before LimitedLiability": "7.8%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,824,981", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "61,137", "Loans": "1,422,914", "Notes Receivable": "0", "Occupancy": "6,624", "Operating Expenses": "0", "Other Assets": "698,884", "Other Compr. Net Income": "-413", "Other Expenses": "25,435", "Other Liabilities": "75,242", "Other Net Income": "125,153", "Other Revenues": "2,469", "Professional Fees": "3,157", "Securities": "0", "Selling and Marketing Expense": "2,320" }, "output_variables": { "Assets": "2,121,798", "Liabilities": "1,900,223", "Expenses": "98,673", "Revenues": "2,469", "Stockholders Equity": "221,575", "Net Income": "28,949", "Comprehensive Net Income": "28,536", "BaseVar": "2,124,364", "ECR before LimitedLiability": "6.9%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,421,631", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "60,412", "Loans": "0", "Notes Receivable": "1,402,147", "Occupancy": "7,078", "Operating Expenses": "0", "Other Assets": "1,322,572", "Other Compr. Net Income": "-3,424", "Other Expenses": "26,640", "Other Liabilities": "65,271", "Other Net Income": "130,053", "Other Revenues": "2,450", "Professional Fees": "2,801", "Securities": "0", "Selling and Marketing Expense": "2,741" }, "output_variables": { "Assets": "2,724,719", "Liabilities": "2,486,902", "Expenses": "99,672", "Revenues": "2,450", "Stockholders Equity": "237,817", "Net Income": "32,831", "Comprehensive Net Income": "29,407", "BaseVar": "2,723,610", "ECR before LimitedLiability": "5.7%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,387,211", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "58,172", "Loans": "0", "Notes Receivable": "1,487,947", "Occupancy": "6,915", "Operating Expenses": "0", "Other Assets": "1,186,371", "Other Compr. Net Income": "-25,675", "Other Expenses": "25,778", "Other Liabilities": "68,478", "Other Net Income": "117,509", "Other Revenues": "4,529", "Professional Fees": "2,993", "Securities": "0", "Selling and Marketing Expense": "2,747" }, "output_variables": { "Assets": "2,674,318", "Liabilities": "2,455,689", "Expenses": "96,605", "Revenues": "4,529", "Stockholders Equity": "218,629", "Net Income": "25,433", "Comprehensive Net Income": "-242", "BaseVar": "2,687,162", "ECR before LimitedLiability": "4.3%", "Economic Capital Ratio": "12%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,485,055", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "61,741", "Loans": "0", "Notes Receivable": "1,772,227", "Occupancy": "7,394", "Operating Expenses": "0", "Other Assets": "1,035,270", "Other Compr. Net Income": "12,644", "Other Expenses": "25,203", "Other Liabilities": "87,724", "Other Net Income": "117,333", "Other Revenues": "2,550", "Professional Fees": "3,128", "Securities": "0", "Selling and Marketing Expense": "2,929" }, "output_variables": { "Assets": "2,807,497", "Liabilities": "2,572,779", "Expenses": "100,395", "Revenues": "2,550", "Stockholders Equity": "234,718", "Net Income": "19,488", "Comprehensive Net Income": "32,132", "BaseVar": "2,806,599", "ECR before LimitedLiability": "5.6%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": 17.0, "value": 0.13458578908095656, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001163370.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001163370.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001163370.svg" }, { "company_id": "0000070502", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000070502.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000070502.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000070502.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000070502_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000070502_main_keyfigs.svg", "name": "National Rural Utilities Cooperative Finance CORP DC", "rank": 54, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000070502.svg", "report_text": "The relative strengths and weaknesses of National Rural Utilities Cooperative Finance CORP DC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of National Rural Utilities Cooperative Finance CORP DC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 12% points.The greatest weakness of National Rural Utilities Cooperative Finance CORP DC is the variable Debt, reducing the Economic Capital Ratio by 70% points.

The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000070502_2024_National_Rural_Utilities_Cooperative_Finance_CORP_DC.pdf", "shrinked_graph_json": { "2016": { "Liabilities": "-5.71", "Stockholders Equity": "-5.09", "Deposits": "6.48", "Other Liabilities": "2.46", "Debt": "-68.2", "Expenses": "1.93", "ECR before LimitedLiability": "-5.82", "Selling and Marketing Expense": "1.22", "General and Administrative Expense": "1.35", "Labor and Related Expense": "0.718", "Other Expenses": "-1.01", "Operating Expenses": "1.54", "Other Revenues": "-4.34", "Revenues": "-4.34", "Cash and Cash Equivalents": "-1.60", "Securities": "-0.657", "Other Assets": "9.76", "Notes Receivable": "-1.76", "Loans": "-14.9", "Economic Capital Ratio": "-7.09", "Other Net Income": "-1.48" }, "2017": { "Other Liabilities": "4.05", "Liabilities": "-4.54", "Stockholders Equity": "-4.59", "Debt": "-72.5", "Deposits": "8.03", "Expenses": "3.34", "Revenues": "-3.14", "Net Income": "1.07", "Selling and Marketing Expense": "0.587", "Operating Expenses": "2.32", "Labor and Related Expense": "0.659", "General and Administrative Expense": "0.531", "Other Revenues": "-3.14", "Notes Receivable": "-1.51", "Comprehensive Net Income": "1.14", "ECR before LimitedLiability": "-4.08", "Securities": "-0.655", "Cash and Cash Equivalents": "-1.50", "Other Assets": "11.6", "Loans": "-15.0", "Economic Capital Ratio": "-4.78" }, "2018": { "Other Assets": "12.5", "Assets": "-0.566", "Liabilities": "-4.17", "Stockholders Equity": "-4.33", "Notes Receivable": "-1.27", "Cash and Cash Equivalents": "-1.02", "Loans": "-15.7", "Deposits": "8.91", "Other Liabilities": "4.72", "Debt": "-74.8", "Expenses": "4.25", "Revenues": "-2.50", "Net Income": "1.16", "Labor and Related Expense": "0.561", "Other Expenses": "1.03", "Selling and Marketing Expense": "0.577", "Operating Expenses": "1.36", "Other Revenues": "-2.50", "ECR before LimitedLiability": "-3.87", "Comprehensive Net Income": "1.25", "Economic Capital Ratio": "-4.14" }, "2019": { "Liabilities": "-4.55", "Stockholders Equity": "-4.52", "Deposits": "6.90", "Debt": "-67.5", "Other Liabilities": "2.81", "Expenses": "1.93", "Net Income": "-1.22", "Other Expenses": "0.832", "Operating Expenses": "0.736", "Selling and Marketing Expense": "0.837", "Labor and Related Expense": "0.695", "Other Revenues": "-2.79", "Revenues": "-2.79", "Other Assets": "10.2", "ECR before LimitedLiability": "-6.10", "Cash and Cash Equivalents": "-1.39", "Notes Receivable": "-2.63", "Loans": "-15.8", "Comprehensive Net Income": "-1.30", "Other Net Income": "-2.10", "Economic Capital Ratio": "-6.29" }, "2021": { "Other Liabilities": "5.11", "Liabilities": "-4.70", "Stockholders Equity": "-4.50", "ECR before LimitedLiability": "-5.10", "Deposits": "8.93", "Debt": "-72.7", "Selling and Marketing Expense": "0.683", "Expenses": "4.73", "Net Income": "0.651", "Other Expenses": "0.540", "Operating Expenses": "1.06", "Labor and Related Expense": "1.05", "General and Administrative Expense": "0.692", "Other Revenues": "-3.69", "Revenues": "-3.69", "Loans": "-10.6", "Other Assets": "-9.95", "Notes Receivable": "13.2", "Cash and Cash Equivalents": "-2.04", "Comprehensive Net Income": "0.799", "Economic Capital Ratio": "-5.54" }, "2022": { "Deposits": "9.04", "Liabilities": "-4.11", "Stockholders Equity": "-3.10", "ECR before LimitedLiability": "-1.37", "Other Liabilities": "6.02", "Debt": "-72.1", "Labor and Related Expense": "1.15", "Expenses": "5.07", "Net Income": "1.77", "General and Administrative Expense": "0.668", "Selling and Marketing Expense": "0.711", "Operating Expenses": "1.38", "Other Revenues": "-3.10", "Revenues": "-3.10", "Loans": "-9.29", "Other Assets": "-9.12", "Cash and Cash Equivalents": "-1.13", "Notes Receivable": "13.9", "Comprehensive Net Income": "2.51", "Other Compr. Net Income": "0.683", "Economic Capital Ratio": "-1.84" }, "2023": { "Assets": "2.27", "Liabilities": "-4.63", "Stockholders Equity": "-2.23", "ECR before LimitedLiability": "0.301", "Notes Receivable": "11.7", "Loans": "-2.01", "Other Assets": "-9.62", "Cash and Cash Equivalents": "-1.62", "Other Liabilities": "5.82", "Deposits": "8.20", "Debt": "-70.3", "Expenses": "5.14", "Revenues": "-4.58", "Net Income": "2.22", "Labor and Related Expense": "1.16", "Operating Expenses": "3.32", "Selling and Marketing Expense": "1.12", "General and Administrative Expense": "1.37", "Other Revenues": "-4.58", "Comprehensive Net Income": "2.09", "Economic Capital Ratio": "-1.60" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000070502_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "209,168", "Debt": "22,598,473", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "132,996", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "24,061,032", "Other Compr. Net Income": "-1,159", "Other Expenses": "57", "Other Liabilities": "721,353", "Other Net Income": "-51,459", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "24,270,200", "Liabilities": "23,452,822", "Expenses": "57", "Revenues": "0", "Stockholders Equity": "817,378", "Net Income": "-51,516", "Comprehensive Net Income": "-52,675", "BaseVar": "23,887,848", "ECR before LimitedLiability": "1.5%", "Economic Capital Ratio": "9.9%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "188,421", "Debt": "23,459,793", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "137,476", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "25,017,271", "Other Compr. Net Income": "9,924", "Other Expenses": "1,704", "Other Liabilities": "509,618", "Other Net Income": "313,803", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "25,205,692", "Liabilities": "24,106,887", "Expenses": "1,704", "Revenues": "0", "Stockholders Equity": "1,098,805", "Net Income": "312,099", "Comprehensive Net Income": "322,023", "BaseVar": "24,819,005", "ECR before LimitedLiability": "3.5%", "Economic Capital Ratio": "12%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "238,824", "Debt": "24,633,262", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "149,284", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "26,451,380", "Other Compr. Net Income": "-6,809", "Other Expenses": "2,305", "Other Liabilities": "401,805", "Other Net Income": "459,669", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "26,690,204", "Liabilities": "25,184,351", "Expenses": "2,305", "Revenues": "0", "Stockholders Equity": "1,505,853", "Net Income": "457,364", "Comprehensive Net Income": "450,555", "BaseVar": "26,171,669", "ECR before LimitedLiability": "4.6%", "Economic Capital Ratio": "13%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "186,204", "Debt": "25,161,668", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "158,997", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "26,938,168", "Other Compr. Net Income": "2,082", "Other Expenses": "211", "Other Liabilities": "499,825", "Other Net Income": "-150,999", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "27,124,372", "Liabilities": "25,820,490", "Expenses": "211", "Revenues": "0", "Stockholders Equity": "1,303,882", "Net Income": "-151,210", "Comprehensive Net Income": "-149,128", "BaseVar": "26,549,077", "ECR before LimitedLiability": "1.9%", "Economic Capital Ratio": "10%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "303,361", "Debt": "27,426,194", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "123,672", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "28,341,429", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "993,573", "Other Compr. Net Income": "-426", "Other Expenses": "998", "Other Liabilities": "688,618", "Other Net Income": "814,976", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "29,638,363", "Liabilities": "28,238,484", "Expenses": "998", "Revenues": "0", "Stockholders Equity": "1,399,879", "Net Income": "813,978", "Comprehensive Net Income": "813,552", "BaseVar": "29,346,624", "ECR before LimitedLiability": "5.2%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "161,114", "Debt": "28,747,286", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "131,950", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "29,995,826", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,094,442", "Other Compr. Net Income": "-409", "Other Expenses": "1,148", "Other Liabilities": "230,177", "Other Net Income": "799,685", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "31,251,382", "Liabilities": "29,109,413", "Expenses": "1,148", "Revenues": "0", "Stockholders Equity": "2,141,969", "Net Income": "798,537", "Comprehensive Net Income": "798,128", "BaseVar": "30,581,018", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "14%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "207,237", "Debt": "30,999,385", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "212,340", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "32,478,992", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,325,831", "Other Compr. Net Income": "5,988", "Other Expenses": "800", "Other Liabilities": "211,086", "Other Net Income": "502,387", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "34,012,060", "Liabilities": "31,422,811", "Expenses": "800", "Revenues": "0", "Stockholders Equity": "2,589,249", "Net Income": "501,587", "Comprehensive Net Income": "507,575", "BaseVar": "32,972,023", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": -7.0, "value": 0.1341940748135197, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000070502.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000070502.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000070502.svg" }, { "company_id": "0001032033", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001032033.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001032033.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001032033.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001032033_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001032033_main_keyfigs.svg", "name": "SLM Corp", "rank": 55, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001032033.svg", "report_text": "The relative strengths and weaknesses of SLM Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of SLM Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 5.7% points.The greatest weakness of SLM Corp is the variable Deposits, reducing the Economic Capital Ratio by 12% points.

The company's Economic Capital Ratio, given in the ranking table, is 13%, being 1.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001032033_2024_SLM_Corp.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "2.34", "Assets": "0.631", "Liabilities": "-1.74", "Stockholders Equity": "-0.934", "Economic Capital Ratio": "-1.48", "Other Assets": "-8.58", "Notes Receivable": "-1.33", "Loans": "8.72", "Deposits": "-8.68", "Other Liabilities": "7.11", "Debt": "-1.37", "Expenses": "2.90", "Revenues": "-3.37", "Net Income": "1.21", "Selling and Marketing Expense": "0.979", "General and Administrative Expense": "1.09", "Other Expenses": "-0.737", "Operating Expenses": "1.22", "Other Revenues": "-3.37", "Comprehensive Net Income": "1.32", "Other Net Income": "2.12" }, "2017": { "Other Liabilities": "6.66", "Liabilities": "-1.59", "Stockholders Equity": "-1.69", "ECR before LimitedLiability": "-0.886", "Debt": "-3.24", "Deposits": "-6.98", "Expenses": "1.58", "Net Income": "1.03", "Selling and Marketing Expense": "0.522", "Operating Expenses": "0.325", "General and Administrative Expense": "0.473", "Other Revenues": "-2.85", "Revenues": "-2.85", "Notes Receivable": "-1.29", "Securities": "-0.561", "Cash and Cash Equivalents": "1.01", "Other Assets": "-8.39", "Loans": "8.38", "Comprehensive Net Income": "1.10", "Other Net Income": "2.65", "Economic Capital Ratio": "-1.59" }, "2018": { "Liabilities": "-2.63", "Stockholders Equity": "-1.96", "ECR before LimitedLiability": "-1.33", "Deposits": "-6.61", "Other Liabilities": "6.86", "Debt": "-4.10", "Expenses": "3.66", "Net Income": "1.16", "Labor and Related Expense": "0.500", "Other Expenses": "0.702", "Selling and Marketing Expense": "0.514", "Operating Expenses": "1.21", "Other Revenues": "-2.27", "Revenues": "-2.27", "Other Assets": "-7.91", "Notes Receivable": "-1.10", "Securities": "-0.443", "Cash and Cash Equivalents": "2.46", "Loans": "7.72", "Comprehensive Net Income": "1.28", "Economic Capital Ratio": "-1.60" }, "2019": { "Liabilities": "-2.48", "Stockholders Equity": "-1.91", "ECR before LimitedLiability": "-1.71", "Deposits": "-9.04", "Debt": "-1.69", "Other Liabilities": "6.35", "Expenses": "3.04", "Net Income": "0.832", "Operating Expenses": "0.609", "Selling and Marketing Expense": "0.693", "Labor and Related Expense": "0.575", "Other Revenues": "-2.34", "Revenues": "-2.34", "Other Assets": "-7.56", "Cash and Cash Equivalents": "6.08", "Notes Receivable": "-2.09", "Loans": "6.55", "Securities": "-0.453", "Comprehensive Net Income": "0.696", "Other Net Income": "0.442", "Economic Capital Ratio": "-1.90" }, "2022": { "Deposits": "-10.5", "Liabilities": "-4.37", "Stockholders Equity": "-3.62", "Other Liabilities": "4.90", "Debt": "-3.90", "Labor and Related Expense": "1.23", "Expenses": "4.13", "Revenues": "-3.29", "Net Income": "1.02", "General and Administrative Expense": "0.715", "Selling and Marketing Expense": "0.761", "Operating Expenses": "1.48", "Other Revenues": "-3.29", "Loans": "-9.69", "ECR before LimitedLiability": "-2.74", "Comprehensive Net Income": "1.54", "Other Assets": "-6.40", "Cash and Cash Equivalents": "4.20", "Notes Receivable": "9.61", "Other Compr. Net Income": "0.497", "Economic Capital Ratio": "-3.22" }, "2023": { "Assets": "1.58", "Liabilities": "-4.55", "Stockholders Equity": "-2.74", "Economic Capital Ratio": "-1.64", "Notes Receivable": "5.73", "Loans": "-2.03", "Other Assets": "-6.67", "Cash and Cash Equivalents": "4.18", "Other Liabilities": "5.74", "Deposits": "-12.4", "Debt": "-3.62", "Expenses": "5.04", "Revenues": "-4.63", "Net Income": "2.71", "Labor and Related Expense": "1.17", "Operating Expenses": "3.36", "Selling and Marketing Expense": "1.14", "General and Administrative Expense": "1.38", "Other Revenues": "-4.63", "Other Net Income": "1.19", "Comprehensive Net Income": "2.62" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001032033_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "1,918,793", "Debt": "2,167,979", "Deposits": "13,435,667", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "183,996", "Loans": "15,137,922", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "385,407", "Other Assets": "1,476,288", "Other Compr. Net Income": "7,388", "Other Expenses": "-18,981", "Other Liabilities": "582,299", "Other Net Income": "731,933", "Other Revenues": "68,816", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "18,533,003", "Liabilities": "16,185,945", "Expenses": "550,422", "Revenues": "68,816", "Stockholders Equity": "2,347,058", "Net Income": "250,327", "Comprehensive Net Income": "257,715", "BaseVar": "18,038,754", "ECR before LimitedLiability": "8.2%", "Economic Capital Ratio": "16%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "1,534,339", "Debt": "3,275,270", "Deposits": "15,505,383", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "213,319", "Loans": "18,567,641", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "448,620", "Other Assets": "1,677,604", "Other Compr. Net Income": "11,419", "Other Expenses": "-10,319", "Other Liabilities": "524,675", "Other Net Income": "943,456", "Other Revenues": "-2,902", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "21,779,584", "Liabilities": "19,305,328", "Expenses": "651,620", "Revenues": "-2,902", "Stockholders Equity": "2,474,256", "Net Income": "288,934", "Comprehensive Net Income": "300,353", "BaseVar": "21,347,154", "ECR before LimitedLiability": "7.5%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "2,559,106", "Debt": "4,284,304", "Deposits": "18,900,000", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "22,270,919", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,808,148", "Other Compr. Net Income": "7,013", "Other Expenses": "71,853", "Other Liabilities": "481,213", "Other Net Income": "559,329", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "26,638,173", "Liabilities": "23,665,517", "Expenses": "71,853", "Revenues": "0", "Stockholders Equity": "2,972,656", "Net Income": "487,476", "Comprehensive Net Income": "494,489", "BaseVar": "25,470,942", "ECR before LimitedLiability": "7.9%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "5,563,877", "Debt": "4,354,037", "Deposits": "24,283,983", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "24,667,792", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "2,454,810", "Other Compr. Net Income": "-22,990", "Other Expenses": "165,464", "Other Liabilities": "736,623", "Other Net Income": "743,740", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "32,686,479", "Liabilities": "29,374,643", "Expenses": "165,464", "Revenues": "0", "Stockholders Equity": "3,311,836", "Net Income": "578,276", "Comprehensive Net Income": "555,286", "BaseVar": "31,496,658", "ECR before LimitedLiability": "7.1%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "4,616,117", "Debt": "5,235,114", "Deposits": "21,448,071", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "19,626,868", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "4,568,044", "Other Compr. Net Income": "-75,973", "Other Expenses": "161,711", "Other Liabilities": "400,874", "Other Net Income": "630,725", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "28,811,029", "Liabilities": "27,084,059", "Expenses": "161,711", "Revenues": "0", "Stockholders Equity": "1,726,970", "Net Income": "469,014", "Comprehensive Net Income": "393,041", "BaseVar": "28,381,748", "ECR before LimitedLiability": "4.5%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "4,149,838", "Debt": "5,227,512", "Deposits": "21,653,188", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "20,306,357", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "4,713,273", "Other Compr. Net Income": "18,766", "Other Expenses": "196,905", "Other Liabilities": "407,971", "Other Net Income": "778,296", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "29,169,468", "Liabilities": "27,288,671", "Expenses": "196,905", "Revenues": "0", "Stockholders Equity": "1,880,797", "Net Income": "581,391", "Comprehensive Net Income": "600,157", "BaseVar": "28,726,053", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": 14.0, "value": 0.13378213595587657, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001032033.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001032033.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001032033.svg" }, { "company_id": "0001108134", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001108134.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001108134.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001108134.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001108134_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001108134_main_keyfigs.svg", "name": "Beacon Financial Corp", "rank": 56, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001108134.svg", "report_text": "The relative strengths and weaknesses of Beacon Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Beacon Financial Corp compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 5.9% points.The greatest weakness of Beacon Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 20% points.

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_savings/2023/report/0001108134_2024_Beacon_Financial_Corp.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.12", "Assets": "0.777", "Liabilities": "-2.18", "Stockholders Equity": "-1.23", "ECR before LimitedLiability": "-1.01", "Other Assets": "-3.34", "Notes Receivable": "-1.38", "Loans": "6.58", "Deposits": "-8.58", "Other Liabilities": "2.75", "Debt": "3.80", "Expenses": "3.32", "Revenues": "-1.30", "Comprehensive Net Income": "0.851", "Selling and Marketing Expense": "0.980", "General and Administrative Expense": "1.12", "Other Expenses": "-1.72", "Operating Expenses": "2.91", "Other Revenues": "-1.30", "Other Net Income": "-1.07", "Economic Capital Ratio": "-2.28" }, "2017": { "Other Liabilities": "5.07", "Liabilities": "-1.33", "Stockholders Equity": "-1.05", "ECR before LimitedLiability": "-0.971", "Debt": "3.25", "Deposits": "-9.49", "Expenses": "1.41", "Net Income": "0.337", "Selling and Marketing Expense": "0.438", "Other Expenses": "-1.08", "Operating Expenses": "1.86", "Labor and Related Expense": "-0.482", "General and Administrative Expense": "0.473", "Notes Receivable": "-1.30", "Securities": "-0.562", "Cash and Cash Equivalents": "-0.801", "Other Assets": "-3.23", "Loans": "6.50", "Comprehensive Net Income": "0.327", "Other Net Income": "-0.936", "Economic Capital Ratio": "-1.67" }, "2018": { "Liabilities": "-1.48", "Stockholders Equity": "-1.51", "ECR before LimitedLiability": "-1.53", "Deposits": "-7.49", "Other Liabilities": "3.36", "Debt": "2.81", "Expenses": "1.36", "Net Income": "0.380", "Labor and Related Expense": "-0.564", "Selling and Marketing Expense": "0.478", "Operating Expenses": "1.05", "Other Revenues": "0.632", "Revenues": "0.632", "Other Assets": "-3.34", "Notes Receivable": "-1.14", "Securities": "-0.292", "Cash and Cash Equivalents": "-0.701", "Loans": "6.60", "Comprehensive Net Income": "0.396", "Other Net Income": "-1.52", "Economic Capital Ratio": "-1.80" }, "2019": { "Other Assets": "-3.05", "Assets": "0.300", "Liabilities": "-1.11", "Expenses": "1.15", "Stockholders Equity": "-0.700", "ECR before LimitedLiability": "-0.962", "Notes Receivable": "-2.05", "Loans": "6.98", "Securities": "-0.331", "Deposits": "-11.4", "Debt": "4.16", "Other Liabilities": "5.76", "General and Administrative Expense": "0.357", "Other Expenses": "-0.314", "Operating Expenses": "0.438", "Selling and Marketing Expense": "0.654", "Labor and Related Expense": "-0.280", "Other Revenues": "0.257", "Revenues": "0.257", "Economic Capital Ratio": "-1.15", "Other Net Income": "-1.35" }, "2020": { "Notes Receivable": "8.05", "Assets": "-1.53", "Liabilities": "-2.54", "Stockholders Equity": "-3.87", "Loans": "-13.6", "Cash and Cash Equivalents": "-2.73", "Other Liabilities": "1.25", "Deposits": "-12.7", "Debt": "0.714", "Expenses": "-1.88", "Revenues": "-1.18", "Net Income": "-4.91", "General and Administrative Expense": "0.485", "Selling and Marketing Expense": "0.487", "Operating Expenses": "0.494", "Other Expenses": "-4.46", "Other Revenues": "-1.18", "ECR before LimitedLiability": "-8.55", "Comprehensive Net Income": "-4.76", "Other Net Income": "-2.20", "Economic Capital Ratio": "-8.89" }, "2021": { "Other Liabilities": "5.73", "Liabilities": "-2.70", "Stockholders Equity": "-2.47", "ECR before LimitedLiability": "-4.35", "Deposits": "-16.4", "Debt": "3.56", "Selling and Marketing Expense": "0.654", "Expenses": "2.18", "Net Income": "-0.763", "Operating Expenses": "0.793", "General and Administrative Expense": "0.683", "Other Revenues": "-0.823", "Revenues": "-0.823", "Securities": "-0.297", "Loans": "-10.6", "Other Assets": "1.64", "Notes Receivable": "10.2", "Cash and Cash Equivalents": "-2.34", "Comprehensive Net Income": "-0.862", "Other Net Income": "-1.93", "Economic Capital Ratio": "-4.79" }, "2022": { "Deposits": "-18.4", "Liabilities": "-3.10", "Loans": "-10.2", "Stockholders Equity": "-3.02", "Other Liabilities": "4.13", "Debt": "3.31", "Expenses": "2.83", "Revenues": "-0.552", "Comprehensive Net Income": "-0.333", "General and Administrative Expense": "0.762", "Other Expenses": "-0.530", "Selling and Marketing Expense": "0.770", "Operating Expenses": "1.28", "Other Revenues": "-0.552", "ECR before LimitedLiability": "-3.59", "Other Assets": "-2.67", "Cash and Cash Equivalents": "-1.53", "Notes Receivable": "9.66", "Other Compr. Net Income": "-0.611", "Other Net Income": "-1.75", "Economic Capital Ratio": "-4.07" }, "2023": { "Assets": "1.35", "Liabilities": "-3.69", "Stockholders Equity": "-2.18", "Economic Capital Ratio": "-1.90", "Notes Receivable": "5.91", "Loans": "-2.09", "Other Assets": "-3.47", "Cash and Cash Equivalents": "-1.91", "Other Liabilities": "5.14", "Deposits": "-19.6", "Debt": "4.46", "Expenses": "4.68", "Revenues": "-2.31", "Net Income": "1.43", "Other Expenses": "-0.962", "Operating Expenses": "3.12", "Selling and Marketing Expense": "1.13", "General and Administrative Expense": "1.42", "Other Revenues": "-2.31", "Other Net Income": "-1.07", "Comprehensive Net Income": "1.56" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001108134_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "113,075", "Debt": "0", "Deposits": "6,622,092", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "104,600", "Loans": "6,505,789", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "19,883", "Other Assets": "2,543,678", "Other Compr. Net Income": "13,071", "Other Expenses": "105,605", "Other Liabilities": "1,447,152", "Other Net Income": "0", "Other Revenues": "298,118", "Professional Fees": "6,199", "Securities": "0", "Selling and Marketing Expense": "3,161" }, "output_variables": { "Assets": "9,162,542", "Liabilities": "8,069,244", "Expenses": "239,448", "Revenues": "298,118", "Stockholders Equity": "1,093,298", "Net Income": "58,670", "Comprehensive Net Income": "71,741", "BaseVar": "8,891,212", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "15%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "248,763", "Debt": "0", "Deposits": "8,749,530", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "152,979", "Loans": "8,247,504", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "25,900", "Other Assets": "3,074,484", "Other Compr. Net Income": "-5,605", "Other Expenses": "165,316", "Other Liabilities": "1,324,957", "Other Net Income": "0", "Other Revenues": "420,484", "Professional Fees": "9,165", "Securities": "0", "Selling and Marketing Expense": "11,877" }, "output_variables": { "Assets": "11,570,751", "Liabilities": "10,074,487", "Expenses": "365,237", "Revenues": "420,484", "Stockholders Equity": "1,496,264", "Net Income": "55,247", "Comprehensive Net Income": "49,642", "BaseVar": "11,218,282", "ECR before LimitedLiability": "7.4%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "183,189", "Debt": "0", "Deposits": "8,982,381", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "165,185", "Loans": "8,981,784", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "28,600", "Other Assets": "2,990,620", "Other Compr. Net Income": "-12,274", "Other Expenses": "153,012", "Other Liabilities": "1,676,932", "Other Net Income": "0", "Other Revenues": "469,235", "Professional Fees": "8,693", "Securities": "56,638", "Selling and Marketing Expense": "7,980" }, "output_variables": { "Assets": "12,212,231", "Liabilities": "10,659,313", "Expenses": "363,470", "Revenues": "469,235", "Stockholders Equity": "1,552,918", "Net Income": "105,765", "Comprehensive Net Income": "93,491", "BaseVar": "11,858,262", "ECR before LimitedLiability": "7.6%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "579,829", "Debt": "0", "Deposits": "10,335,977", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "140,906", "Loans": "9,438,853", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "26,523", "Other Assets": "3,155,732", "Other Compr. Net Income": "25,463", "Other Expenses": "165,038", "Other Liabilities": "1,121,429", "Other Net Income": "-4,071", "Other Revenues": "449,260", "Professional Fees": "10,798", "Securities": "41,556", "Selling and Marketing Expense": "4,474" }, "output_variables": { "Assets": "13,215,970", "Liabilities": "11,457,406", "Expenses": "347,739", "Revenues": "449,260", "Stockholders Equity": "1,758,564", "Net Income": "97,450", "Comprehensive Net Income": "122,913", "BaseVar": "12,749,954", "ECR before LimitedLiability": "8.1%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "10,215,808", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "147,840", "Loans": "0", "Notes Receivable": "7,954,217", "Occupancy": "0", "Operating Expenses": "32,364", "Other Assets": "4,865,283", "Other Compr. Net Income": "18,878", "Other Expenses": "720,303", "Other Liabilities": "1,434,432", "Other Net Income": "-19,842", "Other Revenues": "383,089", "Professional Fees": "11,907", "Securities": "18,513", "Selling and Marketing Expense": "3,703" }, "output_variables": { "Assets": "12,838,013", "Liabilities": "11,650,240", "Expenses": "916,117", "Revenues": "383,089", "Stockholders Equity": "1,187,773", "Net Income": "-552,870", "Comprehensive Net Income": "-533,992", "BaseVar": "12,913,090", "ECR before LimitedLiability": "0.49%", "Economic Capital Ratio": "8.9%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "10,068,953", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "150,589", "Loans": "0", "Notes Receivable": "6,719,753", "Occupancy": "0", "Operating Expenses": "33,803", "Other Assets": "4,819,707", "Other Compr. Net Income": "-34,114", "Other Expenses": "112,749", "Other Liabilities": "303,525", "Other Net Income": "0", "Other Revenues": "434,414", "Professional Fees": "15,860", "Securities": "15,453", "Selling and Marketing Expense": "2,749" }, "output_variables": { "Assets": "11,554,913", "Liabilities": "10,372,478", "Expenses": "315,750", "Revenues": "434,414", "Stockholders Equity": "1,182,435", "Net Income": "118,664", "Comprehensive Net Income": "84,550", "BaseVar": "11,355,834", "ECR before LimitedLiability": "6.2%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "10,327,269", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "152,741", "Loans": "0", "Notes Receivable": "8,239,039", "Occupancy": "0", "Operating Expenses": "35,586", "Other Assets": "3,410,969", "Other Compr. Net Income": "-177,809", "Other Expenses": "115,528", "Other Liabilities": "381,533", "Other Net Income": "0", "Other Revenues": "413,534", "Professional Fees": "12,043", "Securities": "12,856", "Selling and Marketing Expense": "5,103" }, "output_variables": { "Assets": "11,662,864", "Liabilities": "10,708,802", "Expenses": "321,001", "Revenues": "413,534", "Stockholders Equity": "954,062", "Net Income": "92,533", "Comprehensive Net Income": "-85,276", "BaseVar": "11,642,005", "ECR before LimitedLiability": "3.5%", "Economic Capital Ratio": "12%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "10,633,384", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "159,281", "Loans": "0", "Notes Receivable": "8,934,329", "Occupancy": "0", "Operating Expenses": "41,878", "Other Assets": "3,483,463", "Other Compr. Net Income": "38,036", "Other Expenses": "124,052", "Other Liabilities": "785,216", "Other Net Income": "0", "Other Revenues": "411,829", "Professional Fees": "11,643", "Securities": "13,029", "Selling and Marketing Expense": "5,377" }, "output_variables": { "Assets": "12,430,821", "Liabilities": "11,418,600", "Expenses": "342,231", "Revenues": "411,829", "Stockholders Equity": "1,012,221", "Net Income": "69,598", "Comprehensive Net Income": "107,634", "BaseVar": "12,320,758", "ECR before LimitedLiability": "5.1%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": 21.0, "value": 0.13125875862516817, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001108134.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001108134.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001108134.svg" }, { "company_id": "0001228454", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001228454.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001228454.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001228454.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001228454_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001228454_main_keyfigs.svg", "name": "BCB Bancorp INC", "rank": 57, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001228454.svg", "report_text": "The relative strengths and weaknesses of BCB Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of BCB Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 9.3% points.The greatest weakness of BCB Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 15% points.

The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.0% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001228454_2024_BCB_Bancorp_INC.pdf", "shrinked_graph_json": { "2016": { "Assets": "0.992", "Liabilities": "-4.20", "Stockholders Equity": "-3.00", "Securities": "-0.573", "Other Assets": "-8.77", "Notes Receivable": "-1.53", "Loans": "8.36", "Deposits": "-13.1", "Other Liabilities": "4.03", "Debt": "3.99", "Expenses": "4.07", "Revenues": "-3.92", "Net Income": "0.547", "Selling and Marketing Expense": "1.10", "General and Administrative Expense": "1.21", "Labor and Related Expense": "0.644", "Other Expenses": "-1.16", "Operating Expenses": "3.39", "Other Revenues": "-3.92", "ECR before LimitedLiability": "-3.28", "Economic Capital Ratio": "-4.55" }, "2017": { "Notes Receivable": "-1.38", "Assets": "0.473", "Liabilities": "-3.27", "Stockholders Equity": "-2.56", "ECR before LimitedLiability": "-2.54", "Securities": "-0.600", "Cash and Cash Equivalents": "0.857", "Other Assets": "-8.21", "Loans": "7.54", "Other Liabilities": "4.86", "Debt": "3.34", "Deposits": "-12.1", "Expenses": "3.99", "Revenues": "-2.94", "Comprehensive Net Income": "0.475", "Selling and Marketing Expense": "0.547", "Operating Expenses": "2.16", "Labor and Related Expense": "0.615", "General and Administrative Expense": "0.495", "Other Revenues": "-2.94", "Economic Capital Ratio": "-3.24" }, "2018": { "Liabilities": "-3.88", "Other Assets": "-8.39", "Stockholders Equity": "-3.64", "Deposits": "-11.2", "Other Liabilities": "4.11", "Debt": "2.98", "Expenses": "4.10", "Revenues": "-2.51", "Comprehensive Net Income": "0.250", "Labor and Related Expense": "0.563", "Other Expenses": "0.786", "Selling and Marketing Expense": "0.579", "Operating Expenses": "1.37", "Other Revenues": "-2.51", "ECR before LimitedLiability": "-4.01", "Notes Receivable": "-1.27", "Securities": "-0.515", "Cash and Cash Equivalents": "1.71", "Loans": "6.24", "Other Net Income": "-0.895", "Economic Capital Ratio": "-4.28" }, "2019": { "Liabilities": "-3.28", "Stockholders Equity": "-2.76", "ECR before LimitedLiability": "-3.26", "Deposits": "-12.4", "Debt": "4.40", "Other Liabilities": "4.67", "General and Administrative Expense": "0.387", "Expenses": "3.45", "Other Expenses": "0.456", "Operating Expenses": "0.651", "Selling and Marketing Expense": "0.740", "Labor and Related Expense": "0.614", "Other Revenues": "-2.48", "Revenues": "-2.48", "Other Assets": "-2.97", "Cash and Cash Equivalents": "-1.44", "Notes Receivable": "-2.26", "Loans": "5.29", "Securities": "-0.493", "Economic Capital Ratio": "-3.45", "Other Net Income": "-0.580" }, "2020": { "Notes Receivable": "-4.87", "Assets": "0.518", "Liabilities": "-3.91", "Expenses": "4.39", "Stockholders Equity": "-3.09", "ECR before LimitedLiability": "-4.11", "Other Assets": "-5.88", "Loans": "9.91", "Cash and Cash Equivalents": "-2.06", "Other Liabilities": "5.03", "Deposits": "-15.2", "Debt": "3.52", "General and Administrative Expense": "0.508", "Selling and Marketing Expense": "0.654", "Operating Expenses": "1.17", "Labor and Related Expense": "0.829", "Other Expenses": "0.421", "Other Revenues": "-3.13", "Revenues": "-3.13", "Economic Capital Ratio": "-4.45", "Other Net Income": "-0.788" }, "2021": { "Assets": "0.748", "Liabilities": "-3.76", "Stockholders Equity": "-2.72", "ECR before LimitedLiability": "-4.41", "Loans": "10.4", "Other Assets": "-4.80", "Notes Receivable": "-5.58", "Cash and Cash Equivalents": "-2.29", "Other Liabilities": "5.56", "Deposits": "-16.3", "Debt": "3.48", "Selling and Marketing Expense": "0.659", "Expenses": "4.25", "Revenues": "-3.58", "Net Income": "-0.630", "Operating Expenses": "1.02", "Labor and Related Expense": "1.01", "General and Administrative Expense": "0.668", "Other Revenues": "-3.58", "Other Net Income": "-0.615", "Economic Capital Ratio": "-4.84" }, "2022": { "Loans": "12.4", "Assets": "0.993", "Liabilities": "-3.89", "Stockholders Equity": "-2.66", "ECR before LimitedLiability": "-2.00", "Other Assets": "-6.59", "Cash and Cash Equivalents": "-1.36", "Notes Receivable": "-7.92", "Deposits": "-13.6", "Other Liabilities": "4.87", "Debt": "4.21", "Labor and Related Expense": "1.18", "Expenses": "4.72", "Revenues": "-3.18", "Net Income": "0.701", "General and Administrative Expense": "0.688", "Selling and Marketing Expense": "0.732", "Operating Expenses": "1.43", "Other Revenues": "-3.18", "Comprehensive Net Income": "1.24", "Economic Capital Ratio": "-2.47" }, "2023": { "Assets": "2.49", "Liabilities": "-4.56", "Stockholders Equity": "-2.03", "Economic Capital Ratio": "-1.98", "Notes Receivable": "9.31", "Loans": "-2.05", "Other Assets": "-7.08", "Cash and Cash Equivalents": "-1.87", "Other Liabilities": "4.61", "Deposits": "-15.0", "Debt": "4.36", "Expenses": "4.78", "Revenues": "-4.64", "Net Income": "1.60", "Labor and Related Expense": "1.18", "Other Expenses": "-0.394", "Operating Expenses": "3.38", "Selling and Marketing Expense": "1.14", "General and Administrative Expense": "1.39", "Other Revenues": "-4.64", "Comprehensive Net Income": "1.43" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001228454_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "65,038", "Debt": "0", "Deposits": "1,392,205", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,485,159", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "158,011", "Other Compr. Net Income": "-2,258", "Other Expenses": "5,258", "Other Liabilities": "184,922", "Other Net Income": "13,261", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,708,208", "Liabilities": "1,577,127", "Expenses": "5,258", "Revenues": "0", "Stockholders Equity": "131,081", "Net Income": "8,003", "Comprehensive Net Income": "5,745", "BaseVar": "1,653,056", "ECR before LimitedLiability": "4.3%", "Economic Capital Ratio": "12%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "124,235", "Debt": "0", "Deposits": "1,569,370", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "1,643,677", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "174,925", "Other Compr. Net Income": "1,271", "Other Expenses": "10,231", "Other Liabilities": "197,013", "Other Net Income": "20,213", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,942,837", "Liabilities": "1,766,383", "Expenses": "10,231", "Revenues": "0", "Stockholders Equity": "176,454", "Net Income": "9,982", "Comprehensive Net Income": "11,253", "BaseVar": "1,870,468", "ECR before LimitedLiability": "5.4%", "Economic Capital Ratio": "13%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "195,264", "Debt": "0", "Deposits": "2,180,724", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "2,278,492", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "200,975", "Other Compr. Net Income": "-1,808", "Other Expenses": "7,482", "Other Liabilities": "293,792", "Other Net Income": "24,245", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,674,731", "Liabilities": "2,474,516", "Expenses": "7,482", "Revenues": "0", "Stockholders Equity": "200,215", "Net Income": "16,763", "Comprehensive Net Income": "14,955", "BaseVar": "2,591,391", "ECR before LimitedLiability": "4.5%", "Economic Capital Ratio": "13%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,362,063", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "2,178,407", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "729,061", "Other Compr. Net Income": "2,858", "Other Expenses": "9,309", "Other Liabilities": "305,932", "Other Net Income": "30,343", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,907,468", "Liabilities": "2,667,995", "Expenses": "9,309", "Revenues": "0", "Stockholders Equity": "239,473", "Net Income": "21,034", "Comprehensive Net Income": "23,892", "BaseVar": "2,808,986", "ECR before LimitedLiability": "5.2%", "Economic Capital Ratio": "13%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,318,050", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "2,295,021", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "525,995", "Other Compr. Net Income": "2,013", "Other Expenses": "8,566", "Other Liabilities": "253,755", "Other Net Income": "29,423", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,821,016", "Liabilities": "2,571,805", "Expenses": "8,566", "Revenues": "0", "Stockholders Equity": "249,211", "Net Income": "20,857", "Comprehensive Net Income": "22,870", "BaseVar": "2,716,412", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "13%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,561,402", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "2,304,942", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "662,586", "Other Compr. Net Income": "1,333", "Other Expenses": "14,018", "Other Liabilities": "132,102", "Other Net Income": "48,258", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,967,528", "Liabilities": "2,693,504", "Expenses": "14,018", "Revenues": "0", "Stockholders Equity": "274,024", "Net Income": "34,240", "Comprehensive Net Income": "35,573", "BaseVar": "2,862,320", "ECR before LimitedLiability": "6.1%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,811,607", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "3,045,331", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "500,862", "Other Compr. Net Income": "-7,619", "Other Expenses": "17,531", "Other Liabilities": "443,332", "Other Net Income": "63,110", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,546,193", "Liabilities": "3,254,939", "Expenses": "17,531", "Revenues": "0", "Stockholders Equity": "291,254", "Net Income": "45,579", "Comprehensive Net Income": "37,960", "BaseVar": "3,444,696", "ECR before LimitedLiability": "5.4%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,979,080", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "3,279,708", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "552,689", "Other Compr. Net Income": "-1,000", "Other Expenses": "11,972", "Other Liabilities": "539,262", "Other Net Income": "41,455", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,832,397", "Liabilities": "3,518,342", "Expenses": "11,972", "Revenues": "0", "Stockholders Equity": "314,055", "Net Income": "29,483", "Comprehensive Net Income": "28,483", "BaseVar": "3,702,583", "ECR before LimitedLiability": "5.0%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": 0.0, "value": 0.1304443699058916, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001228454.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001228454.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001228454.svg" }, { "company_id": "0001258602", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001258602.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001258602.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001258602.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001258602_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001258602_main_keyfigs.svg", "name": "Nelnet INC", "rank": 58, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001258602.svg", "report_text": "The relative strengths and weaknesses of Nelnet INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Nelnet INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.1% points.The greatest weakness of Nelnet INC is the variable Debt, reducing the Economic Capital Ratio by 46% points.

The company's Economic Capital Ratio, given in the ranking table, is 13%, being 2.3% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001258602_2024_Nelnet_INC.pdf", "shrinked_graph_json": { "2016": { "Liabilities": "-3.43", "Stockholders Equity": "-3.07", "ECR before LimitedLiability": "-2.77", "Deposits": "8.81", "Other Liabilities": "-51.8", "Debt": "4.03", "Expenses": "4.12", "Net Income": "0.962", "Selling and Marketing Expense": "1.09", "General and Administrative Expense": "1.21", "Other Expenses": "-0.447", "Operating Expenses": "1.82", "Other Revenues": "-2.61", "Revenues": "-2.61", "Cash and Cash Equivalents": "-1.60", "Securities": "-0.568", "Other Assets": "-9.09", "Notes Receivable": "13.0", "Loans": "-14.2", "Comprehensive Net Income": "1.06", "Economic Capital Ratio": "-4.04" }, "2017": { "Other Liabilities": "-50.4", "Liabilities": "-2.58", "Stockholders Equity": "-2.68", "ECR before LimitedLiability": "-2.44", "Debt": "3.40", "Deposits": "9.30", "Expenses": "2.30", "Net Income": "0.523", "Selling and Marketing Expense": "0.555", "Other Expenses": "1.05", "Labor and Related Expense": "-0.445", "General and Administrative Expense": "0.503", "Other Revenues": "-1.61", "Revenues": "-1.61", "Notes Receivable": "13.4", "Securities": "-0.608", "Cash and Cash Equivalents": "-1.56", "Other Assets": "-8.44", "Loans": "-14.8", "Comprehensive Net Income": "0.596", "Economic Capital Ratio": "-3.14" }, "2018": { "Liabilities": "-3.00", "Stockholders Equity": "-3.28", "Deposits": "7.87", "Other Liabilities": "-50.1", "Debt": "2.68", "Expenses": "1.30", "Net Income": "-2.06", "Labor and Related Expense": "0.612", "Other Expenses": "0.608", "Selling and Marketing Expense": "0.630", "Operating Expenses": "-1.14", "Other Revenues": "-2.54", "Revenues": "-2.54", "Other Assets": "-8.16", "ECR before LimitedLiability": "-5.44", "Notes Receivable": "11.1", "Cash and Cash Equivalents": "-1.30", "Loans": "-16.4", "Comprehensive Net Income": "-1.95", "Other Net Income": "-0.714", "Economic Capital Ratio": "-5.71" }, "2019": { "Liabilities": "-2.42", "Stockholders Equity": "-2.35", "Deposits": "7.36", "Debt": "2.40", "Other Liabilities": "-49.2", "Other Revenues": "-2.56", "Revenues": "-2.56", "Net Income": "-3.14", "Other Assets": "-7.55", "Comprehensive Net Income": "-3.22", "ECR before LimitedLiability": "-5.64", "Cash and Cash Equivalents": "-1.44", "Notes Receivable": "10.8", "Loans": "-15.9", "Securities": "-0.574", "General and Administrative Expense": "0.439", "Operating Expenses": "-2.24", "Selling and Marketing Expense": "0.840", "Labor and Related Expense": "0.697", "Other Net Income": "-0.930", "Economic Capital Ratio": "-5.83" }, "2020": { "Other Liabilities": "-44.4", "Liabilities": "-2.38", "Stockholders Equity": "-2.28", "Deposits": "8.05", "Debt": "3.73", "Expenses": "0.569", "Revenues": "-3.18", "Net Income": "-2.56", "General and Administrative Expense": "0.553", "Selling and Marketing Expense": "0.712", "Operating Expenses": "-1.81", "Labor and Related Expense": "0.904", "Other Revenues": "-3.18", "Comprehensive Net Income": "-2.52", "ECR before LimitedLiability": "-5.30", "Notes Receivable": "12.2", "Other Assets": "-8.65", "Loans": "-12.2", "Cash and Cash Equivalents": "-2.06", "Securities": "-0.415", "Economic Capital Ratio": "-5.64" }, "2021": { "Assets": "0.708", "Liabilities": "-1.93", "Stockholders Equity": "-1.12", "ECR before LimitedLiability": "-5.14", "Loans": "-10.8", "Other Assets": "-7.18", "Notes Receivable": "13.1", "Cash and Cash Equivalents": "-2.24", "Other Liabilities": "5.02", "Deposits": "8.86", "Debt": "-60.8", "Other Revenues": "-3.77", "Revenues": "-3.77", "Net Income": "-3.22", "Selling and Marketing Expense": "0.700", "Comprehensive Net Income": "-3.05", "Other Expenses": "2.01", "Operating Expenses": "-1.80", "Labor and Related Expense": "-0.980", "General and Administrative Expense": "0.710", "Economic Capital Ratio": "-5.57" }, "2022": { "Loans": "-9.69", "Assets": "1.46", "Liabilities": "-0.727", "Stockholders Equity": "0.786", "ECR before LimitedLiability": "-1.85", "Other Assets": "-4.83", "Cash and Cash Equivalents": "-1.17", "Notes Receivable": "12.7", "Deposits": "8.48", "Other Liabilities": "5.41", "Debt": "-52.3", "Other Revenues": "-3.26", "Revenues": "-3.26", "Net Income": "-2.81", "Labor and Related Expense": "-1.44", "Comprehensive Net Income": "-2.32", "Other Net Income": "0.858", "Other Expenses": "2.10", "Selling and Marketing Expense": "0.753", "Operating Expenses": "-2.24", "Economic Capital Ratio": "-2.32" }, "2023": { "Assets": "3.87", "Liabilities": "-0.659", "Stockholders Equity": "3.15", "Notes Receivable": "8.10", "Loans": "-2.16", "Other Assets": "-5.49", "Cash and Cash Equivalents": "-1.58", "Other Liabilities": "4.90", "Deposits": "7.37", "Debt": "-46.1", "Expenses": "1.29", "Revenues": "-4.86", "Net Income": "-3.96", "Labor and Related Expense": "-1.96", "Other Expenses": "2.16", "Operating Expenses": "-1.40", "Selling and Marketing Expense": "1.20", "General and Administrative Expense": "1.47", "Other Revenues": "-4.86", "Economic Capital Ratio": "-2.29", "Comprehensive Net Income": "-3.83" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001258602_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "69,654", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "33,933", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "45,677", "Labor and Related Expense": "255,924", "Loans": "0", "Notes Receivable": "24,903,724", "Occupancy": "0", "Operating Expenses": "441,515", "Other Assets": "2,206,730", "Other Compr. Net Income": "1,696", "Other Expenses": "-148,544", "Other Liabilities": "25,063,506", "Other Net Income": "359,063", "Other Revenues": "481,266", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "27,180,108", "Liabilities": "25,109,183", "Expenses": "582,828", "Revenues": "481,266", "Stockholders Equity": "2,070,925", "Net Income": "257,501", "Comprehensive Net Income": "259,197", "BaseVar": "26,857,072", "ECR before LimitedLiability": "5.0%", "Economic Capital Ratio": "13%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "66,752", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "39,541", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "50,039", "Labor and Related Expense": "301,885", "Loans": "0", "Notes Receivable": "21,814,507", "Occupancy": "0", "Operating Expenses": "495,729", "Other Assets": "2,083,176", "Other Compr. Net Income": "11,232", "Other Expenses": "-276,563", "Other Liabilities": "21,749,009", "Other Net Income": "290,788", "Other Revenues": "431,625", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "23,964,435", "Liabilities": "21,799,048", "Expenses": "560,592", "Revenues": "431,625", "Stockholders Equity": "2,165,387", "Net Income": "161,821", "Comprehensive Net Income": "173,053", "BaseVar": "23,528,860", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "13%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "121,347", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "61,679", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "22,377,142", "Occupancy": "0", "Operating Expenses": "701,106", "Other Assets": "2,722,479", "Other Compr. Net Income": "398", "Other Expenses": "135,262", "Other Liabilities": "22,844,510", "Other Net Income": "302,804", "Other Revenues": "54,446", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "25,220,968", "Liabilities": "22,906,189", "Expenses": "836,368", "Revenues": "54,446", "Stockholders Equity": "2,314,779", "Net Income": "-479,118", "Comprehensive Net Income": "-478,720", "BaseVar": "24,660,586", "ECR before LimitedLiability": "2.8%", "Economic Capital Ratio": "11%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "133,906", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "47,285", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "20,669,371", "Occupancy": "0", "Operating Expenses": "762,824", "Other Assets": "2,905,693", "Other Compr. Net Income": "-402", "Other Expenses": "137,477", "Other Liabilities": "21,270,591", "Other Net Income": "179,561", "Other Revenues": "65,179", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "23,708,970", "Liabilities": "21,317,876", "Expenses": "900,301", "Revenues": "65,179", "Stockholders Equity": "2,391,094", "Net Income": "-655,561", "Comprehensive Net Income": "-655,963", "BaseVar": "23,086,144", "ECR before LimitedLiability": "2.4%", "Economic Capital Ratio": "11%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "121,249", "Debt": "0", "Deposits": "54,633", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "28,701", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "20,185,656", "Occupancy": "0", "Operating Expenses": "781,105", "Other Assets": "2,339,255", "Other Compr. Net Income": "5,947", "Other Expenses": "230,601", "Other Liabilities": "19,934,477", "Other Net Income": "493,371", "Other Revenues": "57,561", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "22,646,160", "Liabilities": "20,017,811", "Expenses": "1,011,706", "Revenues": "57,561", "Stockholders Equity": "2,628,349", "Net Income": "-460,774", "Comprehensive Net Income": "-454,827", "BaseVar": "22,116,278", "ECR before LimitedLiability": "4.0%", "Economic Capital Ratio": "12%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "125,563", "Debt": "17,631,089", "Deposits": "344,315", "Depreciation and Amortization": "73,741", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "4,566", "Labor and Related Expense": "507,132", "Loans": "0", "Notes Receivable": "18,335,197", "Occupancy": "0", "Operating Expenses": "726,342", "Other Assets": "3,217,281", "Other Compr. Net Income": "10,205", "Other Expenses": "-340,031", "Other Liabilities": "745,233", "Other Net Income": "528,870", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "21,678,041", "Liabilities": "18,725,203", "Expenses": "967,184", "Revenues": "0", "Stockholders Equity": "2,952,838", "Net Income": "-438,314", "Comprehensive Net Income": "-428,109", "BaseVar": "20,954,752", "ECR before LimitedLiability": "5.2%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "118,146", "Debt": "14,637,195", "Deposits": "691,322", "Depreciation and Amortization": "74,077", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "36,049", "Labor and Related Expense": "589,579", "Loans": "0", "Notes Receivable": "15,243,889", "Occupancy": "0", "Operating Expenses": "834,434", "Other Assets": "4,012,009", "Other Compr. Net Income": "-35,564", "Other Expenses": "-366,535", "Other Liabilities": "809,576", "Other Net Income": "559,251", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "19,374,044", "Liabilities": "16,174,142", "Expenses": "1,131,555", "Revenues": "0", "Stockholders Equity": "3,199,902", "Net Income": "-572,304", "Comprehensive Net Income": "-607,868", "BaseVar": "18,637,278", "ECR before LimitedLiability": "5.6%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "168,112", "Debt": "11,828,393", "Deposits": "743,599", "Depreciation and Amortization": "79,118", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "35,391", "Labor and Related Expense": "591,537", "Loans": "0", "Notes Receivable": "13,108,204", "Occupancy": "0", "Operating Expenses": "860,506", "Other Assets": "3,460,329", "Other Compr. Net Income": "54,344", "Other Expenses": "-399,218", "Other Liabilities": "907,347", "Other Net Income": "173,444", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "16,736,645", "Liabilities": "13,514,730", "Expenses": "1,131,943", "Revenues": "0", "Stockholders Equity": "3,221,915", "Net Income": "-958,499", "Comprehensive Net Income": "-904,155", "BaseVar": "15,805,553", "ECR before LimitedLiability": "4.7%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": -3.0, "value": 0.1273486158334558, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001258602.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001258602.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001258602.svg" }, { "company_id": "0001504008", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001504008.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001504008.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001504008.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001504008_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001504008_main_keyfigs.svg", "name": "Bankunited Inc", "rank": 59, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001504008.svg", "report_text": "The relative strengths and weaknesses of Bankunited Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Bankunited Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Bankunited Inc is the variable Notes Receivable, reducing the Economic Capital Ratio by 13% points.

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_savings/2023/report/0001504008_2024_Bankunited_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.05", "Assets": "1.06", "Liabilities": "-3.80", "Stockholders Equity": "-2.51", "ECR before LimitedLiability": "-2.36", "Other Assets": "13.1", "Notes Receivable": "-1.46", "Loans": "-13.8", "Deposits": "-7.54", "Other Liabilities": "0.836", "Debt": "3.20", "Expenses": "4.92", "Revenues": "-3.79", "Net Income": "0.824", "Selling and Marketing Expense": "1.05", "General and Administrative Expense": "1.17", "Other Expenses": "-1.18", "Operating Expenses": "3.25", "Other Revenues": "-3.79", "Comprehensive Net Income": "0.974", "Economic Capital Ratio": "-3.63" }, "2018": { "Liabilities": "-3.33", "Stockholders Equity": "-2.91", "ECR before LimitedLiability": "-3.06", "Deposits": "-7.36", "Other Liabilities": "2.01", "Debt": "2.30", "Expenses": "3.96", "Net Income": "0.526", "Labor and Related Expense": "0.540", "Other Expenses": "0.750", "Selling and Marketing Expense": "0.555", "Operating Expenses": "1.31", "Other Revenues": "-2.42", "Revenues": "-2.42", "Other Assets": "13.4", "Notes Receivable": "-1.21", "Securities": "-0.488", "Cash and Cash Equivalents": "-0.858", "Loans": "-15.5", "Other Net Income": "-0.541", "Economic Capital Ratio": "-3.33" }, "2019": { "Other Assets": "13.4", "Assets": "-0.197", "Liabilities": "-2.48", "Stockholders Equity": "-2.48", "ECR before LimitedLiability": "-2.88", "Cash and Cash Equivalents": "-1.20", "Notes Receivable": "-2.24", "Loans": "-15.1", "Securities": "-0.489", "Deposits": "-8.60", "Debt": "3.78", "Other Liabilities": "2.77", "General and Administrative Expense": "0.386", "Expenses": "2.07", "Operating Expenses": "0.524", "Selling and Marketing Expense": "0.738", "Other Revenues": "-2.37", "Revenues": "-2.37", "Economic Capital Ratio": "-3.07", "Other Net Income": "0.695", "Other Compr. Net Income": "-0.173" }, "2020": { "Other Liabilities": "4.62", "Liabilities": "-3.65", "Stockholders Equity": "-3.33", "ECR before LimitedLiability": "-4.50", "Deposits": "-12.6", "Debt": "2.61", "Expenses": "3.36", "Net Income": "-0.343", "General and Administrative Expense": "0.523", "Selling and Marketing Expense": "0.673", "Operating Expenses": "1.05", "Labor and Related Expense": "0.307", "Other Revenues": "-3.12", "Revenues": "-3.12", "Notes Receivable": "-5.01", "Other Assets": "12.8", "Loans": "-11.8", "Cash and Cash Equivalents": "-1.72", "Securities": "-0.389", "Comprehensive Net Income": "-0.359", "Economic Capital Ratio": "-4.84" }, "2021": { "Other Liabilities": "5.20", "Liabilities": "-3.53", "Stockholders Equity": "-3.11", "ECR before LimitedLiability": "-4.69", "Deposits": "-13.1", "Debt": "2.60", "Selling and Marketing Expense": "0.677", "Expenses": "3.23", "Net Income": "-0.657", "Operating Expenses": "0.886", "Labor and Related Expense": "0.448", "General and Administrative Expense": "0.685", "Other Revenues": "-3.46", "Revenues": "-3.46", "Securities": "-0.350", "Loans": "-10.5", "Other Assets": "13.3", "Notes Receivable": "-5.71", "Cash and Cash Equivalents": "-2.06", "Comprehensive Net Income": "-0.442", "Economic Capital Ratio": "-5.13" }, "2022": { "Deposits": "-10.4", "Liabilities": "-3.99", "Loans": "-10.2", "Stockholders Equity": "-3.65", "Other Liabilities": "2.86", "Debt": "2.86", "Labor and Related Expense": "0.631", "Expenses": "2.87", "Revenues": "-3.30", "Net Income": "0.269", "General and Administrative Expense": "0.767", "Selling and Marketing Expense": "0.816", "Operating Expenses": "1.39", "Other Revenues": "-3.30", "ECR before LimitedLiability": "-4.02", "Other Assets": "11.2", "Cash and Cash Equivalents": "-0.916", "Securities": "-0.382", "Notes Receivable": "-8.66", "Economic Capital Ratio": "-4.49", "Other Compr. Net Income": "-0.274" }, "2023": { "Assets": "1.57", "Liabilities": "-4.27", "Stockholders Equity": "-2.56", "Notes Receivable": "-13.3", "Loans": "-2.14", "Other Assets": "12.3", "Cash and Cash Equivalents": "-1.34", "Other Liabilities": "4.13", "Deposits": "-12.3", "Debt": "3.52", "Expenses": "4.22", "Revenues": "-4.59", "Net Income": "1.40", "Other Expenses": "-0.792", "Operating Expenses": "3.29", "Selling and Marketing Expense": "1.19", "General and Administrative Expense": "1.45", "Other Revenues": "-4.59", "Economic Capital Ratio": "-2.44", "Other Net Income": "0.777", "Comprehensive Net Income": "1.46" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001504008_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "448,313", "Debt": "402,809", "Deposits": "19,490,890", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "27,431,838", "Other Compr. Net Income": "19,065", "Other Expenses": "109,703", "Other Liabilities": "5,568,023", "Other Net Income": "335,444", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "27,880,151", "Liabilities": "25,461,722", "Expenses": "109,703", "Revenues": "0", "Stockholders Equity": "2,418,429", "Net Income": "225,741", "Comprehensive Net Income": "244,806", "BaseVar": "26,903,042", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "13%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "382,073", "Debt": "402,749", "Deposits": "23,474,223", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "31,782,253", "Other Compr. Net Income": "-59,015", "Other Expenses": "90,784", "Other Liabilities": "5,363,521", "Other Net Income": "415,650", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "32,164,326", "Liabilities": "29,240,493", "Expenses": "90,784", "Revenues": "0", "Stockholders Equity": "2,923,833", "Net Income": "324,866", "Comprehensive Net Income": "265,851", "BaseVar": "30,985,134", "ECR before LimitedLiability": "5.6%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "214,673", "Debt": "429,338", "Deposits": "24,394,591", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "235,330", "Loans": "0", "Notes Receivable": "0", "Occupancy": "56,174", "Operating Expenses": "47,509", "Other Assets": "32,656,620", "Other Compr. Net Income": "-36,700", "Other Expenses": "218,622", "Other Liabilities": "5,066,585", "Other Net Income": "843,805", "Other Revenues": "47,280", "Professional Fees": "20,352", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "32,871,293", "Liabilities": "29,890,514", "Expenses": "577,987", "Revenues": "47,280", "Stockholders Equity": "2,980,779", "Net Income": "313,098", "Comprehensive Net Income": "276,398", "BaseVar": "32,133,790", "ECR before LimitedLiability": "5.6%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "397,716", "Debt": "722,495", "Deposits": "27,495,816", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "217,156", "Loans": "0", "Notes Receivable": "0", "Occupancy": "48,237", "Operating Expenses": "58,108", "Other Assets": "34,612,777", "Other Compr. Net Income": "-17,325", "Other Expenses": "173,486", "Other Liabilities": "3,809,170", "Other Net Income": "663,376", "Other Revenues": "43,172", "Professional Fees": "11,708", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "35,010,493", "Liabilities": "32,027,481", "Expenses": "508,695", "Revenues": "43,172", "Stockholders Equity": "2,983,012", "Net Income": "197,853", "Comprehensive Net Income": "180,528", "BaseVar": "34,135,271", "ECR before LimitedLiability": "5.0%", "Economic Capital Ratio": "13%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "314,857", "Debt": "721,416", "Deposits": "29,438,102", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "243,532", "Loans": "0", "Notes Receivable": "0", "Occupancy": "47,944", "Operating Expenses": "67,500", "Other Assets": "35,500,539", "Other Compr. Net Income": "33,212", "Other Expenses": "208,614", "Other Liabilities": "2,618,117", "Other Net Income": "893,647", "Other Revenues": "103,313", "Professional Fees": "14,386", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "35,815,396", "Liabilities": "32,777,635", "Expenses": "581,976", "Revenues": "103,313", "Stockholders Equity": "3,037,761", "Net Income": "414,984", "Comprehensive Net Income": "448,196", "BaseVar": "35,102,590", "ECR before LimitedLiability": "5.7%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "572,647", "Debt": "720,923", "Deposits": "27,509,334", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "265,548", "Loans": "0", "Notes Receivable": "0", "Occupancy": "45,400", "Operating Expenses": "77,103", "Other Assets": "36,454,065", "Other Compr. Net Income": "-421,965", "Other Expenses": "230,690", "Other Liabilities": "6,360,474", "Other Net Income": "819,431", "Other Revenues": "96,011", "Professional Fees": "11,730", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "37,026,712", "Liabilities": "34,590,731", "Expenses": "630,471", "Revenues": "96,011", "Stockholders Equity": "2,435,981", "Net Income": "284,971", "Comprehensive Net Income": "-136,994", "BaseVar": "36,792,660", "ECR before LimitedLiability": "3.0%", "Economic Capital Ratio": "11%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "588,283", "Debt": "708,973", "Deposits": "26,538,478", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "280,744", "Loans": "0", "Notes Receivable": "0", "Occupancy": "43,345", "Operating Expenses": "79,984", "Other Assets": "35,173,324", "Other Compr. Net Income": "80,484", "Other Expenses": "276,107", "Other Liabilities": "5,936,235", "Other Net Income": "772,434", "Other Revenues": "100,601", "Professional Fees": "14,184", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "35,761,607", "Liabilities": "33,183,686", "Expenses": "694,364", "Revenues": "100,601", "Stockholders Equity": "2,577,921", "Net Income": "178,671", "Comprehensive Net Income": "259,155", "BaseVar": "35,296,588", "ECR before LimitedLiability": "4.5%", "Economic Capital Ratio": "13%" } } }, "top_rated": false, "trend": 21.0, "value": 0.12582788093224634, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001504008.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001504008.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001504008.svg" }, { "company_id": "0001514743", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001514743.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001514743.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001514743.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001514743_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001514743_main_keyfigs.svg", "name": "IF Bancorp Inc", "rank": 60, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001514743.svg", "report_text": "The relative strengths and weaknesses of IF Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of IF Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 5.1% points.The greatest weakness of IF Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 20% points.

The company's Economic Capital Ratio, given in the ranking table, is 12%, being 2.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001514743_2024_IF_Bancorp_Inc.pdf", "shrinked_graph_json": { "2017": { "Notes Receivable": "-1.24", "Assets": "1.44", "Liabilities": "-1.89", "ECR before LimitedLiability": "-0.520", "Securities": "-0.534", "Cash and Cash Equivalents": "-1.02", "Other Assets": "-3.75", "Loans": "7.35", "Other Liabilities": "5.06", "Debt": "3.11", "Deposits": "-10.2", "Expenses": "3.73", "Revenues": "-2.73", "Net Income": "0.490", "Selling and Marketing Expense": "0.499", "Operating Expenses": "1.96", "Labor and Related Expense": "0.560", "General and Administrative Expense": "0.452", "Other Revenues": "-2.73", "Economic Capital Ratio": "-1.22", "Other Compr. Net Income": "-0.318" }, "2018": { "Liabilities": "-1.57", "Stockholders Equity": "-1.52", "ECR before LimitedLiability": "-2.32", "Deposits": "-8.34", "Other Liabilities": "4.28", "Debt": "2.89", "Expenses": "1.39", "Revenues": "-2.25", "Comprehensive Net Income": "-0.422", "Labor and Related Expense": "-0.722", "Selling and Marketing Expense": "0.550", "Operating Expenses": "1.30", "Other Revenues": "-2.25", "Other Assets": "-3.39", "Notes Receivable": "-1.19", "Securities": "-0.479", "Cash and Cash Equivalents": "-1.01", "Loans": "5.93", "Other Net Income": "0.836", "Other Compr. Net Income": "-0.228", "Economic Capital Ratio": "-2.59" }, "2019": { "Liabilities": "-1.65", "Stockholders Equity": "-1.50", "ECR before LimitedLiability": "-1.80", "Deposits": "-14.2", "Debt": "4.28", "Other Liabilities": "6.18", "General and Administrative Expense": "0.369", "Expenses": "1.33", "Operating Expenses": "0.622", "Selling and Marketing Expense": "0.707", "Labor and Related Expense": "-0.604", "Other Revenues": "-2.26", "Revenues": "-2.26", "Other Assets": "-3.07", "Cash and Cash Equivalents": "1.79", "Notes Receivable": "-2.13", "Loans": "5.48", "Securities": "-0.462", "Economic Capital Ratio": "-1.99", "Other Net Income": "0.805", "Other Compr. Net Income": "0.337" }, "2020": { "Other Liabilities": "6.21", "Liabilities": "-2.45", "Stockholders Equity": "-2.19", "ECR before LimitedLiability": "-2.92", "Deposits": "-15.1", "Debt": "3.46", "Expenses": "2.15", "Revenues": "-2.92", "Net Income": "-0.390", "General and Administrative Expense": "0.492", "Selling and Marketing Expense": "0.633", "Operating Expenses": "1.13", "Labor and Related Expense": "-0.426", "Other Revenues": "-2.92", "Notes Receivable": "-4.72", "Other Assets": "-3.68", "Loans": "7.58", "Cash and Cash Equivalents": "-0.401", "Other Net Income": "0.678", "Economic Capital Ratio": "-3.26", "Other Compr. Net Income": "0.429" }, "2021": { "Other Liabilities": "5.44", "Liabilities": "-2.76", "Stockholders Equity": "-2.27", "ECR before LimitedLiability": "-4.51", "Deposits": "-14.4", "Debt": "3.56", "Selling and Marketing Expense": "0.676", "Expenses": "2.35", "Net Income": "-1.12", "Operating Expenses": "1.05", "General and Administrative Expense": "0.685", "Other Revenues": "-3.53", "Revenues": "-3.53", "Securities": "-0.349", "Loans": "7.05", "Other Assets": "-3.38", "Notes Receivable": "-5.70", "Cash and Cash Equivalents": "0.546", "Comprehensive Net Income": "-1.21", "Other Net Income": "0.450", "Economic Capital Ratio": "-4.95" }, "2022": { "Deposits": "-17.7", "Liabilities": "-3.13", "Loans": "5.38", "Stockholders Equity": "-3.05", "Other Liabilities": "3.48", "Debt": "2.59", "Expenses": "2.52", "Revenues": "-3.42", "Comprehensive Net Income": "-1.18", "General and Administrative Expense": "0.789", "Other Expenses": "-0.398", "Selling and Marketing Expense": "0.840", "Operating Expenses": "1.64", "Other Revenues": "-3.42", "ECR before LimitedLiability": "-4.36", "Other Assets": "-2.23", "Cash and Cash Equivalents": "2.51", "Notes Receivable": "-8.87", "Other Compr. Net Income": "-1.29", "Other Net Income": "0.838", "Economic Capital Ratio": "-4.83" }, "2023": { "Assets": "1.54", "Liabilities": "-3.74", "Stockholders Equity": "-2.10", "Notes Receivable": "5.09", "Loans": "-2.16", "Other Assets": "-3.06", "Cash and Cash Equivalents": "-1.49", "Other Liabilities": "4.77", "Deposits": "-20.3", "Debt": "4.03", "Expenses": "4.09", "Revenues": "-4.71", "Net Income": "1.39", "Other Expenses": "-0.890", "Operating Expenses": "3.56", "Selling and Marketing Expense": "1.20", "General and Administrative Expense": "1.46", "Other Revenues": "-4.71", "Economic Capital Ratio": "-2.53", "Other Net Income": "1.40", "Comprehensive Net Income": "0.775" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001514743_strength_weakness.svg", "table_records": { "2017": { "input_variables": { "Cash and Cash Equivalents": "7,766", "Debt": "0", "Deposits": "439,146", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "55", "Labor and Related Expense": "0", "Loans": "440,322", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "137,386", "Other Compr. Net Income": "-2,556", "Other Expenses": "2,274", "Other Liabilities": "62,304", "Other Net Income": "6,193", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "585,474", "Liabilities": "501,505", "Expenses": "2,274", "Revenues": "0", "Stockholders Equity": "83,969", "Net Income": "3,919", "Comprehensive Net Income": "1,363", "BaseVar": "549,001", "ECR before LimitedLiability": "8.0%", "Economic Capital Ratio": "15%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "4,754", "Debt": "0", "Deposits": "480,421", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "188", "Labor and Related Expense": "9,732", "Loans": "476,480", "Notes Receivable": "0", "Occupancy": "761", "Operating Expenses": "0", "Other Assets": "157,689", "Other Compr. Net Income": "-2,535", "Other Expenses": "8,236", "Other Liabilities": "76,639", "Other Net Income": "18,811", "Other Revenues": "1,273", "Professional Fees": "352", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "638,923", "Liabilities": "557,248", "Expenses": "19,081", "Revenues": "1,273", "Stockholders Equity": "81,675", "Net Income": "1,003", "Comprehensive Net Income": "-1,532", "BaseVar": "618,936", "ECR before LimitedLiability": "6.6%", "Economic Capital Ratio": "14%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "59,600", "Debt": "0", "Deposits": "607,023", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "801", "Labor and Related Expense": "10,644", "Loans": "487,774", "Notes Receivable": "0", "Occupancy": "887", "Operating Expenses": "0", "Other Assets": "176,496", "Other Compr. Net Income": "3,673", "Other Expenses": "6,179", "Other Liabilities": "33,585", "Other Net Income": "19,695", "Other Revenues": "1,282", "Professional Fees": "355", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "723,870", "Liabilities": "641,409", "Expenses": "18,065", "Revenues": "1,282", "Stockholders Equity": "82,461", "Net Income": "2,912", "Comprehensive Net Income": "6,585", "BaseVar": "703,997", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "33,467", "Debt": "0", "Deposits": "601,700", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "537", "Labor and Related Expense": "11,070", "Loans": "509,817", "Notes Receivable": "0", "Occupancy": "943", "Operating Expenses": "0", "Other Assets": "192,233", "Other Compr. Net Income": "3,638", "Other Expenses": "6,270", "Other Liabilities": "50,716", "Other Net Income": "20,888", "Other Revenues": "1,375", "Professional Fees": "442", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "735,517", "Liabilities": "652,953", "Expenses": "18,725", "Revenues": "1,375", "Stockholders Equity": "82,564", "Net Income": "3,538", "Comprehensive Net Income": "7,176", "BaseVar": "716,548", "ECR before LimitedLiability": "7.0%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "62,735", "Debt": "0", "Deposits": "667,632", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "199", "Labor and Related Expense": "11,897", "Loans": "513,371", "Notes Receivable": "0", "Occupancy": "900", "Operating Expenses": "0", "Other Assets": "221,235", "Other Compr. Net Income": "-2,270", "Other Expenses": "6,958", "Other Liabilities": "44,206", "Other Net Income": "23,453", "Other Revenues": "1,446", "Professional Fees": "491", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "797,341", "Liabilities": "712,037", "Expenses": "20,246", "Revenues": "1,446", "Stockholders Equity": "85,304", "Net Income": "4,653", "Comprehensive Net Income": "2,383", "BaseVar": "778,396", "ECR before LimitedLiability": "6.0%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "75,811", "Debt": "0", "Deposits": "752,020", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "176", "Labor and Related Expense": "13,051", "Loans": "518,931", "Notes Receivable": "0", "Occupancy": "951", "Operating Expenses": "0", "Other Assets": "262,816", "Other Compr. Net Income": "-19,279", "Other Expenses": "7,091", "Other Liabilities": "33,704", "Other Net Income": "24,631", "Other Revenues": "1,983", "Professional Fees": "398", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "857,558", "Liabilities": "785,900", "Expenses": "21,491", "Revenues": "1,983", "Stockholders Equity": "71,658", "Net Income": "5,123", "Comprehensive Net Income": "-14,156", "BaseVar": "855,421", "ECR before LimitedLiability": "2.6%", "Economic Capital Ratio": "11%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "10,988", "Debt": "0", "Deposits": "735,314", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "1,666", "Labor and Related Expense": "12,712", "Loans": "0", "Notes Receivable": "587,457", "Occupancy": "1,006", "Operating Expenses": "0", "Other Assets": "250,531", "Other Compr. Net Income": "-4,302", "Other Expenses": "7,457", "Other Liabilities": "40,243", "Other Net Income": "24,010", "Other Revenues": "1,656", "Professional Fees": "459", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "848,976", "Liabilities": "777,223", "Expenses": "21,634", "Revenues": "1,656", "Stockholders Equity": "71,753", "Net Income": "4,032", "Comprehensive Net Income": "-270", "BaseVar": "838,900", "ECR before LimitedLiability": "4.4%", "Economic Capital Ratio": "12%" } } }, "top_rated": false, "trend": 26.0, "value": 0.12488886482160898, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001514743.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001514743.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001514743.svg" }, { "company_id": "0001556727", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001556727.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001556727.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001556727.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001556727_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001556727_main_keyfigs.svg", "name": "First Northwest Bancorp", "rank": 61, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001556727.svg", "report_text": "The relative strengths and weaknesses of First Northwest Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of First Northwest Bancorp compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 6.3% points.The greatest weakness of First Northwest Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 14% points.

The company's Economic Capital Ratio, given in the ranking table, is 12%, being 2.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001556727_2024_First_Northwest_Bancorp.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.32", "Assets": "3.01", "Liabilities": "-1.44", "Stockholders Equity": "1.82", "ECR before LimitedLiability": "1.68", "Securities": "-0.436", "Other Assets": "1.12", "Notes Receivable": "-1.18", "Loans": "5.68", "Deposits": "-10.9", "Other Liabilities": "8.55", "Expenses": "4.88", "Revenues": "-3.38", "Comprehensive Net Income": "0.567", "Selling and Marketing Expense": "0.877", "General and Administrative Expense": "0.972", "Labor and Related Expense": "0.519", "Other Expenses": "-0.847", "Operating Expenses": "2.67", "Other Revenues": "-3.38", "Other Net Income": "-0.553", "Economic Capital Ratio": "0.414" }, "2018": { "Other Assets": "-0.748", "Assets": "1.20", "Liabilities": "-2.31", "Stockholders Equity": "-0.922", "ECR before LimitedLiability": "-1.47", "Notes Receivable": "-1.10", "Securities": "-0.444", "Cash and Cash Equivalents": "-1.18", "Loans": "5.80", "Deposits": "-9.07", "Other Liabilities": "6.77", "Debt": "-2.01", "Expenses": "3.79", "Labor and Related Expense": "0.499", "Other Expenses": "0.817", "Selling and Marketing Expense": "0.514", "Operating Expenses": "1.21", "Other Revenues": "-2.26", "Revenues": "-2.26", "Economic Capital Ratio": "-1.74", "Other Net Income": "-0.943" }, "2019": { "Assets": "1.33", "Expenses": "3.20", "Stockholders Equity": "-0.456", "ECR before LimitedLiability": "-0.865", "Cash and Cash Equivalents": "-1.26", "Notes Receivable": "-1.99", "Loans": "6.15", "Securities": "-0.428", "Liabilities": "-1.97", "Deposits": "-11.3", "Debt": "0.189", "Other Liabilities": "7.14", "General and Administrative Expense": "0.346", "Other Expenses": "0.530", "Operating Expenses": "0.581", "Selling and Marketing Expense": "0.661", "Labor and Related Expense": "0.549", "Other Revenues": "-2.25", "Revenues": "-2.25", "Economic Capital Ratio": "-1.06", "Other Net Income": "-0.648" }, "2020": { "Notes Receivable": "-4.61", "Assets": "0.983", "Liabilities": "-3.26", "Expenses": "4.24", "Stockholders Equity": "-2.01", "ECR before LimitedLiability": "-2.85", "Other Assets": "-1.89", "Loans": "7.77", "Cash and Cash Equivalents": "-1.92", "Other Liabilities": "6.54", "Deposits": "-15.1", "General and Administrative Expense": "0.479", "Selling and Marketing Expense": "0.616", "Operating Expenses": "1.10", "Labor and Related Expense": "0.781", "Other Expenses": "0.497", "Other Revenues": "-2.98", "Revenues": "-2.98", "Economic Capital Ratio": "-3.19", "Other Compr. Net Income": "0.368", "Other Net Income": "-0.921" }, "2021": { "Assets": "1.08", "Liabilities": "-3.77", "Stockholders Equity": "-2.45", "ECR before LimitedLiability": "-4.66", "Loans": "8.49", "Other Assets": "-2.53", "Notes Receivable": "-5.62", "Cash and Cash Equivalents": "-2.32", "Other Liabilities": "5.21", "Deposits": "-14.0", "Debt": "3.49", "Expenses": "4.59", "Revenues": "-3.60", "Net Income": "-0.931", "Operating Expenses": "1.03", "Labor and Related Expense": "1.02", "General and Administrative Expense": "0.673", "Other Revenues": "-3.60", "Comprehensive Net Income": "-0.994", "Other Net Income": "-1.16", "Economic Capital Ratio": "-5.10" }, "2022": { "Loans": "8.96", "Assets": "0.935", "Liabilities": "-4.21", "Stockholders Equity": "-3.13", "Other Assets": "-3.98", "Cash and Cash Equivalents": "-1.55", "Notes Receivable": "-8.66", "Deposits": "-12.0", "Other Liabilities": "2.66", "Debt": "2.67", "Labor and Related Expense": "1.32", "Expenses": "2.76", "Revenues": "-3.50", "Comprehensive Net Income": "-0.807", "Selling and Marketing Expense": "0.815", "Operating Expenses": "1.59", "Other Revenues": "-3.50", "ECR before LimitedLiability": "-4.26", "Other Compr. Net Income": "-0.978", "Other Net Income": "-1.05", "Economic Capital Ratio": "-4.73" }, "2023": { "Assets": "2.60", "Liabilities": "-4.96", "Stockholders Equity": "-2.38", "Notes Receivable": "6.30", "Loans": "-2.11", "Other Assets": "-4.10", "Cash and Cash Equivalents": "-1.93", "Other Liabilities": "4.98", "Deposits": "-14.0", "Debt": "-2.38", "Expenses": "4.32", "Revenues": "-4.73", "Net Income": "1.02", "Labor and Related Expense": "1.21", "Operating Expenses": "3.46", "Selling and Marketing Expense": "1.17", "General and Administrative Expense": "1.42", "Other Revenues": "-4.73", "Economic Capital Ratio": "-2.57", "Other Net Income": "-0.970", "Comprehensive Net Income": "1.21" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001556727_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "80,672", "Deposits": "723,287", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "189", "Labor and Related Expense": "0", "Loans": "619,844", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "390,258", "Other Compr. Net Income": "1,145", "Other Expenses": "1,457", "Other Liabilities": "16,213", "Other Net Income": "5,449", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,010,102", "Liabilities": "820,361", "Expenses": "1,457", "Revenues": "0", "Stockholders Equity": "189,741", "Net Income": "3,992", "Comprehensive Net Income": "5,137", "BaseVar": "919,257", "ECR before LimitedLiability": "11%", "Economic Capital Ratio": "17%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "136,552", "Deposits": "940,260", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "521", "Labor and Related Expense": "0", "Loans": "863,852", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "394,906", "Other Compr. Net Income": "-3,158", "Other Expenses": "1,575", "Other Liabilities": "9,161", "Other Net Income": "8,680", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,258,758", "Liabilities": "1,086,494", "Expenses": "1,575", "Revenues": "0", "Stockholders Equity": "172,264", "Net Income": "7,105", "Comprehensive Net Income": "3,947", "BaseVar": "1,179,332", "ECR before LimitedLiability": "7.7%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "112,930", "Deposits": "1,001,645", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "373", "Labor and Related Expense": "0", "Loans": "878,437", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "428,899", "Other Compr. Net Income": "3,192", "Other Expenses": "2,077", "Other Liabilities": "15,537", "Other Net Income": "11,091", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,307,336", "Liabilities": "1,130,485", "Expenses": "2,077", "Revenues": "0", "Stockholders Equity": "176,851", "Net Income": "9,014", "Comprehensive Net Income": "12,206", "BaseVar": "1,227,090", "ECR before LimitedLiability": "8.3%", "Economic Capital Ratio": "16%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "109,977", "Deposits": "1,333,517", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "53", "Labor and Related Expense": "0", "Loans": "1,141,969", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "512,380", "Other Compr. Net Income": "6,981", "Other Expenses": "2,954", "Other Liabilities": "24,419", "Other Net Income": "13,294", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,654,349", "Liabilities": "1,467,966", "Expenses": "2,954", "Revenues": "0", "Stockholders Equity": "186,383", "Net Income": "10,340", "Comprehensive Net Income": "17,321", "BaseVar": "1,572,772", "ECR before LimitedLiability": "7.1%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,580,580", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "393", "Labor and Related Expense": "0", "Loans": "1,350,260", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "570,821", "Other Compr. Net Income": "-4,715", "Other Expenses": "3,194", "Other Liabilities": "149,628", "Other Net Income": "18,173", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,921,081", "Liabilities": "1,730,601", "Expenses": "3,194", "Revenues": "0", "Stockholders Equity": "190,480", "Net Income": "14,979", "Comprehensive Net Income": "10,264", "BaseVar": "1,838,882", "ECR before LimitedLiability": "5.8%", "Economic Capital Ratio": "14%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,564,255", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "455", "Labor and Related Expense": "0", "Loans": "1,531,435", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "510,635", "Other Compr. Net Income": "-38,682", "Other Expenses": "2,847", "Other Liabilities": "319,078", "Other Net Income": "16,343", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,042,070", "Liabilities": "1,883,788", "Expenses": "2,847", "Revenues": "0", "Stockholders Equity": "158,282", "Net Income": "13,496", "Comprehensive Net Income": "-25,186", "BaseVar": "1,991,865", "ECR before LimitedLiability": "2.7%", "Economic Capital Ratio": "11%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "320,936", "Deposits": "1,676,892", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "3,396", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,642,518", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "559,279", "Other Compr. Net Income": "8,067", "Other Expenses": "549", "Other Liabilities": "37,233", "Other Net Income": "2,675", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,201,797", "Liabilities": "2,038,457", "Expenses": "549", "Revenues": "0", "Stockholders Equity": "163,340", "Net Income": "2,126", "Comprehensive Net Income": "10,193", "BaseVar": "2,125,772", "ECR before LimitedLiability": "4.3%", "Economic Capital Ratio": "12%" } } }, "top_rated": false, "trend": 23.0, "value": 0.12449937865939623, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001556727.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001556727.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001556727.svg" }, { "company_id": "0001698022", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001698022.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001698022.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001698022.jpg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001698022_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001698022_main_keyfigs.svg", "name": "Farmers Merchants Bancshares Inc", "rank": 62, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001698022.svg", "report_text": "The relative strengths and weaknesses of Farmers Merchants Bancshares Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Farmers Merchants Bancshares Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 4.3% points.The greatest weakness of Farmers Merchants Bancshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 19% points.

The company's Economic Capital Ratio, given in the ranking table, is 12%, being 2.9% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001698022_2024_Farmers_Merchants_Bancshares_Inc.pdf", "shrinked_graph_json": { "2017": { "Notes Receivable": "-1.32", "Assets": "0.652", "Liabilities": "-2.85", "Stockholders Equity": "-1.97", "ECR before LimitedLiability": "-1.68", "Securities": "-0.571", "Cash and Cash Equivalents": "-0.932", "Other Assets": "-6.26", "Loans": "7.62", "Other Liabilities": "5.60", "Debt": "3.24", "Deposits": "-11.6", "Expenses": "3.86", "Revenues": "-2.85", "Net Income": "0.734", "Selling and Marketing Expense": "0.526", "Operating Expenses": "2.08", "Labor and Related Expense": "0.591", "Other Revenues": "-2.85", "Comprehensive Net Income": "0.754", "Economic Capital Ratio": "-2.38" }, "2018": { "Other Assets": "-5.01", "Assets": "0.509", "Liabilities": "-2.86", "Stockholders Equity": "-2.11", "ECR before LimitedLiability": "-2.06", "Notes Receivable": "-1.14", "Cash and Cash Equivalents": "-1.22", "Loans": "6.98", "Deposits": "-14.1", "Other Liabilities": "6.12", "Debt": "2.79", "Expenses": "3.78", "Revenues": "-2.32", "Net Income": "0.609", "Labor and Related Expense": "0.515", "Other Expenses": "0.727", "Selling and Marketing Expense": "0.529", "Operating Expenses": "1.25", "Other Revenues": "-2.32", "Comprehensive Net Income": "0.671", "Economic Capital Ratio": "-2.33" }, "2019": { "Other Assets": "-4.50", "Assets": "0.808", "Liabilities": "-2.46", "Expenses": "3.27", "Revenues": "-2.33", "Stockholders Equity": "-1.45", "ECR before LimitedLiability": "-1.68", "Cash and Cash Equivalents": "-1.32", "Notes Receivable": "-2.07", "Loans": "7.47", "Securities": "-0.449", "Deposits": "-15.9", "Debt": "4.16", "Other Liabilities": "6.31", "General and Administrative Expense": "0.359", "Other Expenses": "0.490", "Operating Expenses": "0.604", "Selling and Marketing Expense": "0.687", "Labor and Related Expense": "0.570", "Other Revenues": "-2.33", "Economic Capital Ratio": "-1.87" }, "2020": { "Notes Receivable": "-5.17", "Assets": "-0.511", "Liabilities": "-3.61", "Stockholders Equity": "-3.80", "Other Assets": "-5.13", "Loans": "8.05", "Cash and Cash Equivalents": "-2.20", "Other Liabilities": "4.56", "Deposits": "-15.7", "Debt": "2.48", "Expenses": "2.57", "Revenues": "-3.29", "Net Income": "-0.597", "General and Administrative Expense": "0.540", "Selling and Marketing Expense": "0.695", "Operating Expenses": "1.24", "Other Revenues": "-3.29", "ECR before LimitedLiability": "-5.01", "Comprehensive Net Income": "-0.487", "Other Net Income": "0.523", "Economic Capital Ratio": "-5.35" }, "2021": { "Other Liabilities": "4.90", "Liabilities": "-3.48", "Stockholders Equity": "-3.47", "ECR before LimitedLiability": "-5.38", "Deposits": "-15.8", "Debt": "2.53", "Selling and Marketing Expense": "0.704", "Expenses": "2.71", "Net Income": "-0.795", "Other Expenses": "-0.401", "Operating Expenses": "1.09", "General and Administrative Expense": "0.714", "Other Revenues": "-3.77", "Revenues": "-3.77", "Loans": "7.01", "Other Assets": "-2.00", "Notes Receivable": "-5.92", "Cash and Cash Equivalents": "-2.46", "Comprehensive Net Income": "-0.894", "Other Net Income": "0.762", "Economic Capital Ratio": "-5.82" }, "2022": { "Deposits": "-16.6", "Liabilities": "-3.52", "Loans": "7.76", "Stockholders Equity": "-3.82", "Other Liabilities": "3.16", "Debt": "2.18", "Expenses": "2.16", "Revenues": "-3.64", "Comprehensive Net Income": "-0.750", "General and Administrative Expense": "0.803", "Other Expenses": "-0.689", "Selling and Marketing Expense": "0.854", "Operating Expenses": "1.66", "Other Revenues": "-3.64", "ECR before LimitedLiability": "-4.73", "Other Assets": "-3.40", "Cash and Cash Equivalents": "-1.63", "Notes Receivable": "-9.01", "Other Compr. Net Income": "-1.23", "Other Net Income": "1.42", "Economic Capital Ratio": "-5.20" }, "2023": { "Assets": "1.35", "Liabilities": "-4.40", "Stockholders Equity": "-2.90", "Notes Receivable": "4.26", "Loans": "-2.19", "Other Assets": "-1.32", "Cash and Cash Equivalents": "-2.00", "Other Liabilities": "4.34", "Deposits": "-18.7", "Debt": "3.69", "Expenses": "3.82", "Revenues": "-4.85", "Net Income": "1.58", "Other Expenses": "-1.01", "Operating Expenses": "3.59", "Selling and Marketing Expense": "1.21", "General and Administrative Expense": "1.48", "Other Revenues": "-4.85", "Economic Capital Ratio": "-2.87", "Other Net Income": "1.34", "Comprehensive Net Income": "1.36" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001698022_strength_weakness.svg", "table_records": { "2017": { "input_variables": { "Cash and Cash Equivalents": "7,237", "Debt": "0", "Deposits": "319,796", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "181", "Labor and Related Expense": "0", "Loans": "332,534", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "63,133", "Other Compr. Net Income": "-49", "Other Expenses": "2,002", "Other Liabilities": "41,128", "Other Net Income": "5,792", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "402,904", "Liabilities": "361,106", "Expenses": "2,002", "Revenues": "0", "Stockholders Equity": "41,799", "Net Income": "3,789", "Comprehensive Net Income": "3,740", "BaseVar": "385,926", "ECR before LimitedLiability": "6.5%", "Economic Capital Ratio": "14%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "354,713", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "311", "Labor and Related Expense": "0", "Loans": "340,901", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "76,257", "Other Compr. Net Income": "-185", "Other Expenses": "1,106", "Other Liabilities": "16,739", "Other Net Income": "5,819", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "417,158", "Liabilities": "371,763", "Expenses": "1,106", "Revenues": "0", "Stockholders Equity": "45,395", "Net Income": "4,713", "Comprehensive Net Income": "4,528", "BaseVar": "398,015", "ECR before LimitedLiability": "6.9%", "Economic Capital Ratio": "15%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "376,613", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "346", "Labor and Related Expense": "0", "Loans": "359,383", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "82,832", "Other Compr. Net Income": "611", "Other Expenses": "1,039", "Other Liabilities": "15,802", "Other Net Income": "5,600", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "442,215", "Liabilities": "392,762", "Expenses": "1,039", "Revenues": "0", "Stockholders Equity": "49,454", "Net Income": "4,561", "Comprehensive Net Income": "5,172", "BaseVar": "421,114", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "16,973", "Deposits": "573,402", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "410", "Labor and Related Expense": "6,137", "Loans": "521,691", "Notes Receivable": "0", "Occupancy": "758", "Operating Expenses": "0", "Other Assets": "155,627", "Other Compr. Net Income": "664", "Other Expenses": "9,174", "Other Liabilities": "34,803", "Other Net Income": "17,840", "Other Revenues": "188", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "677,317", "Liabilities": "625,588", "Expenses": "16,070", "Revenues": "188", "Stockholders Equity": "51,729", "Net Income": "1,959", "Comprehensive Net Income": "2,623", "BaseVar": "668,833", "ECR before LimitedLiability": "4.4%", "Economic Capital Ratio": "12%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "16,979", "Deposits": "626,415", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "296", "Labor and Related Expense": "7,215", "Loans": "482,011", "Notes Receivable": "0", "Occupancy": "949", "Operating Expenses": "0", "Other Assets": "234,666", "Other Compr. Net Income": "-2,101", "Other Expenses": "7,982", "Other Liabilities": "16,366", "Other Net Income": "23,757", "Other Revenues": "230", "Professional Fees": "416", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "716,677", "Liabilities": "660,056", "Expenses": "16,561", "Revenues": "230", "Stockholders Equity": "56,621", "Net Income": "7,426", "Comprehensive Net Income": "5,324", "BaseVar": "709,691", "ECR before LimitedLiability": "4.9%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "15,096", "Deposits": "623,611", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "350", "Labor and Related Expense": "7,865", "Loans": "516,921", "Notes Receivable": "0", "Occupancy": "891", "Operating Expenses": "0", "Other Assets": "201,290", "Other Compr. Net Income": "-15,711", "Other Expenses": "8,201", "Other Liabilities": "31,379", "Other Net Income": "24,935", "Other Revenues": "229", "Professional Fees": "895", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "718,211", "Liabilities": "670,436", "Expenses": "17,852", "Revenues": "229", "Stockholders Equity": "47,775", "Net Income": "7,312", "Comprehensive Net Income": "-8,399", "BaseVar": "723,687", "ECR before LimitedLiability": "2.2%", "Economic Capital Ratio": "11%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "13,212", "Deposits": "680,963", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "1,483", "Labor and Related Expense": "7,545", "Loans": "0", "Notes Receivable": "523,308", "Occupancy": "875", "Operating Expenses": "0", "Other Assets": "276,633", "Other Compr. Net Income": "-578", "Other Expenses": "8,097", "Other Liabilities": "52,105", "Other Net Income": "22,112", "Other Revenues": "345", "Professional Fees": "642", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "799,941", "Liabilities": "747,763", "Expenses": "17,159", "Revenues": "345", "Stockholders Equity": "52,178", "Net Income": "5,298", "Comprehensive Net Income": "4,720", "BaseVar": "793,949", "ECR before LimitedLiability": "4.0%", "Economic Capital Ratio": "12%" } } }, "top_rated": false, "trend": 26.0, "value": 0.1215123426700942, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001698022.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001698022.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001698022.svg" }, { "company_id": "0001408534", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001408534.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001408534.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001408534.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001408534_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001408534_main_keyfigs.svg", "name": "First Guaranty Bancshares Inc", "rank": 63, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001408534.svg", "report_text": "The relative strengths and weaknesses of First Guaranty Bancshares Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of First Guaranty Bancshares Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 6.5% points.The greatest weakness of First Guaranty Bancshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 19% points.

The company's Economic Capital Ratio, given in the ranking table, is 12%, being 2.9% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001408534_2024_First_Guaranty_Bancshares_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.66", "Assets": "0.899", "Liabilities": "-3.84", "Stockholders Equity": "-2.71", "ECR before LimitedLiability": "-2.66", "Securities": "7.55", "Other Assets": "-9.85", "Notes Receivable": "-1.49", "Loans": "4.64", "Deposits": "-17.5", "Other Liabilities": "4.95", "Debt": "3.95", "Expenses": "4.64", "Revenues": "-3.84", "Net Income": "0.950", "Selling and Marketing Expense": "1.07", "General and Administrative Expense": "1.18", "Other Expenses": "-1.27", "Operating Expenses": "3.30", "Other Revenues": "-3.84", "Economic Capital Ratio": "-3.93" }, "2017": { "Other Liabilities": "5.02", "Liabilities": "-3.47", "Stockholders Equity": "-2.92", "ECR before LimitedLiability": "-2.73", "Debt": "3.36", "Deposits": "-16.5", "Expenses": "4.13", "Net Income": "0.526", "Selling and Marketing Expense": "0.552", "Operating Expenses": "2.18", "Labor and Related Expense": "0.620", "General and Administrative Expense": "0.500", "Other Revenues": "-2.97", "Revenues": "-2.97", "Notes Receivable": "-1.40", "Securities": "6.49", "Cash and Cash Equivalents": "-1.65", "Other Assets": "-8.97", "Loans": "4.67", "Comprehensive Net Income": "0.680", "Economic Capital Ratio": "-3.43" }, "2018": { "Liabilities": "-3.68", "Other Assets": "-7.47", "Stockholders Equity": "-3.38", "Deposits": "-16.0", "Other Liabilities": "4.74", "Debt": "2.96", "Expenses": "4.19", "Revenues": "-2.49", "Net Income": "0.339", "Labor and Related Expense": "0.558", "Other Expenses": "0.858", "Selling and Marketing Expense": "0.574", "Operating Expenses": "1.35", "Other Revenues": "-2.49", "ECR before LimitedLiability": "-3.79", "Notes Receivable": "-1.26", "Securities": "5.20", "Cash and Cash Equivalents": "-1.35", "Loans": "4.32", "Other Net Income": "-0.830", "Economic Capital Ratio": "-4.06" }, "2019": { "Other Assets": "-7.88", "Assets": "-0.643", "Liabilities": "-2.60", "Stockholders Equity": "-3.02", "ECR before LimitedLiability": "-3.19", "Cash and Cash Equivalents": "-1.46", "Notes Receivable": "-2.29", "Loans": "4.90", "Securities": "5.21", "Deposits": "-15.3", "Debt": "4.49", "Other Liabilities": "4.96", "General and Administrative Expense": "0.394", "Expenses": "1.70", "Operating Expenses": "0.662", "Selling and Marketing Expense": "0.753", "Labor and Related Expense": "-0.382", "Other Revenues": "-2.22", "Revenues": "-2.22", "Economic Capital Ratio": "-3.38", "Other Net Income": "0.786" }, "2020": { "Other Liabilities": "4.64", "Liabilities": "-4.38", "Stockholders Equity": "-3.81", "Deposits": "-18.2", "Debt": "3.61", "Expenses": "4.16", "ECR before LimitedLiability": "-4.88", "General and Administrative Expense": "0.527", "Selling and Marketing Expense": "0.677", "Operating Expenses": "1.21", "Labor and Related Expense": "0.860", "Other Expenses": "0.521", "Other Revenues": "-3.23", "Revenues": "-3.23", "Notes Receivable": "12.2", "Other Assets": "-6.63", "Loans": "-11.8", "Cash and Cash Equivalents": "-2.15", "Securities": "4.12", "Economic Capital Ratio": "-5.22", "Other Net Income": "-0.831" }, "2021": { "Other Liabilities": "4.82", "Liabilities": "-4.27", "Securities": "4.39", "Stockholders Equity": "-3.40", "Deposits": "-18.4", "Debt": "3.60", "Expenses": "4.36", "Net Income": "-0.837", "Operating Expenses": "1.07", "Labor and Related Expense": "1.06", "General and Administrative Expense": "0.701", "Other Revenues": "-3.73", "Revenues": "-3.73", "ECR before LimitedLiability": "-5.48", "Comprehensive Net Income": "-0.906", "Loans": "-10.6", "Other Assets": "-7.56", "Notes Receivable": "12.3", "Cash and Cash Equivalents": "-2.43", "Other Net Income": "-1.01", "Economic Capital Ratio": "-5.92" }, "2022": { "Loans": "-9.63", "Assets": "1.05", "Liabilities": "-4.28", "Stockholders Equity": "-3.01", "Other Assets": "-8.72", "Cash and Cash Equivalents": "-1.41", "Securities": "4.29", "Notes Receivable": "11.7", "Deposits": "-18.0", "Other Liabilities": "4.52", "Debt": "4.16", "Labor and Related Expense": "1.22", "Expenses": "4.18", "Revenues": "-3.26", "Comprehensive Net Income": "0.884", "General and Administrative Expense": "0.709", "Selling and Marketing Expense": "0.754", "Operating Expenses": "1.47", "Other Revenues": "-3.26", "ECR before LimitedLiability": "-2.71", "Economic Capital Ratio": "-3.18" }, "2023": { "Securities": "3.74", "Assets": "2.56", "Liabilities": "-5.10", "Stockholders Equity": "-2.57", "Notes Receivable": "6.54", "Loans": "-2.15", "Other Assets": "-7.91", "Cash and Cash Equivalents": "-1.96", "Other Liabilities": "4.15", "Deposits": "-19.3", "Debt": "3.70", "Expenses": "4.07", "Revenues": "-4.78", "Net Income": "1.18", "Labor and Related Expense": "1.22", "Operating Expenses": "3.50", "Selling and Marketing Expense": "1.19", "General and Administrative Expense": "1.44", "Other Revenues": "-4.78", "Economic Capital Ratio": "-2.87", "Comprehensive Net Income": "1.09" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001408534_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,326,181", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "1,931", "Labor and Related Expense": "0", "Loans": "937,807", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "63,803", "Other Compr. Net Income": "-3,098", "Other Expenses": "7,164", "Other Liabilities": "48,485", "Other Net Income": "21,257", "Other Revenues": "0", "Professional Fees": "0", "Securities": "499,336", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,500,946", "Liabilities": "1,376,597", "Expenses": "7,164", "Revenues": "0", "Stockholders Equity": "124,349", "Net Income": "14,093", "Comprehensive Net Income": "10,995", "BaseVar": "1,454,531", "ECR before LimitedLiability": "5.1%", "Economic Capital Ratio": "13%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,549,286", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "2,488", "Labor and Related Expense": "0", "Loans": "1,139,789", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "108,985", "Other Compr. Net Income": "2,443", "Other Expenses": "7,399", "Other Liabilities": "54,673", "Other Net Income": "19,150", "Other Revenues": "0", "Professional Fees": "0", "Securities": "501,656", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,750,430", "Liabilities": "1,606,447", "Expenses": "7,399", "Revenues": "0", "Stockholders Equity": "143,983", "Net Income": "11,751", "Comprehensive Net Income": "14,194", "BaseVar": "1,692,934", "ECR before LimitedLiability": "5.1%", "Economic Capital Ratio": "13%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,629,622", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "3,952", "Labor and Related Expense": "0", "Loans": "1,214,492", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "197,416", "Other Compr. Net Income": "-5,276", "Other Expenses": "3,462", "Other Liabilities": "36,353", "Other Net Income": "17,675", "Other Revenues": "0", "Professional Fees": "0", "Securities": "405,303", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,817,211", "Liabilities": "1,669,927", "Expenses": "3,462", "Revenues": "0", "Stockholders Equity": "147,284", "Net Income": "14,213", "Comprehensive Net Income": "8,937", "BaseVar": "1,756,776", "ECR before LimitedLiability": "4.7%", "Economic Capital Ratio": "13%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "1,853,013", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "6,047", "Labor and Related Expense": "25,019", "Loans": "1,514,561", "Notes Receivable": "0", "Occupancy": "6,096", "Operating Expenses": "0", "Other Assets": "175,642", "Other Compr. Net Income": "5,657", "Other Expenses": "16,104", "Other Liabilities": "92,121", "Other Net Income": "56,817", "Other Revenues": "8,299", "Professional Fees": "0", "Securities": "427,013", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,117,216", "Liabilities": "1,951,181", "Expenses": "47,219", "Revenues": "8,299", "Stockholders Equity": "166,035", "Net Income": "17,897", "Comprehensive Net Income": "23,554", "BaseVar": "2,093,194", "ECR before LimitedLiability": "5.2%", "Economic Capital Ratio": "13%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,166,318", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "5,292", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,819,617", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "414,913", "Other Compr. Net Income": "-1,528", "Other Expenses": "5,219", "Other Liabilities": "122,877", "Other Net Income": "25,537", "Other Revenues": "0", "Professional Fees": "0", "Securities": "238,548", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,473,078", "Liabilities": "2,294,487", "Expenses": "5,219", "Revenues": "0", "Stockholders Equity": "178,591", "Net Income": "20,318", "Comprehensive Net Income": "18,790", "BaseVar": "2,399,924", "ECR before LimitedLiability": "4.5%", "Economic Capital Ratio": "13%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,596,492", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "4,480", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "2,135,330", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "378,634", "Other Compr. Net Income": "-7,280", "Other Expenses": "7,158", "Other Liabilities": "53,259", "Other Net Income": "34,455", "Other Revenues": "0", "Professional Fees": "0", "Securities": "364,156", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,878,120", "Liabilities": "2,654,231", "Expenses": "7,158", "Revenues": "0", "Stockholders Equity": "223,889", "Net Income": "27,297", "Comprehensive Net Income": "20,017", "BaseVar": "2,790,622", "ECR before LimitedLiability": "4.8%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "2,723,792", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "4,289", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "2,495,559", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "204,262", "Other Compr. Net Income": "-8,595", "Other Expenses": "7,506", "Other Liabilities": "188,275", "Other Net Income": "36,390", "Other Revenues": "0", "Professional Fees": "0", "Securities": "451,526", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,151,347", "Liabilities": "2,916,356", "Expenses": "7,506", "Revenues": "0", "Stockholders Equity": "234,991", "Net Income": "28,884", "Comprehensive Net Income": "20,289", "BaseVar": "3,060,097", "ECR before LimitedLiability": "4.5%", "Economic Capital Ratio": "13%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "3,009,094", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "11,807", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "2,717,782", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "430,867", "Other Compr. Net Income": "2,269", "Other Expenses": "2,677", "Other Liabilities": "282,240", "Other Net Income": "11,896", "Other Revenues": "0", "Professional Fees": "0", "Securities": "404,123", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,552,772", "Liabilities": "3,303,141", "Expenses": "2,677", "Revenues": "0", "Stockholders Equity": "249,631", "Net Income": "9,219", "Comprehensive Net Income": "11,488", "BaseVar": "3,436,378", "ECR before LimitedLiability": "4.0%", "Economic Capital Ratio": "12%" } } }, "top_rated": false, "trend": 5.0, "value": 0.1214690254367482, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001408534.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001408534.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001408534.svg" }, { "company_id": "0001820953", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001820953.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001820953.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001820953.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001820953_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001820953_main_keyfigs.svg", "name": "Affirm Holdings Inc", "rank": 64, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001820953.svg", "report_text": "The relative strengths and weaknesses of Affirm Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Affirm Holdings Inc compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of Affirm Holdings Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 23% points.

The company's Economic Capital Ratio, given in the ranking table, is 12%, being 2.9% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001820953_2024_Affirm_Holdings_Inc.pdf", "shrinked_graph_json": { "2021": { "Other Liabilities": "-23.6", "Liabilities": "17.4", "Stockholders Equity": "17.8", "ECR before LimitedLiability": "7.95", "Deposits": "19.1", "Debt": "4.27", "Selling and Marketing Expense": "-3.14", "Expenses": "-25.7", "Net Income": "-12.8", "Other Expenses": "-7.64", "Operating Expenses": "-5.96", "General and Administrative Expense": "-7.95", "Other Revenues": "12.5", "Revenues": "12.5", "Loans": "-12.9", "Other Assets": "-2.35", "Notes Receivable": "9.00", "Cash and Cash Equivalents": "10.0", "Comprehensive Net Income": "-12.4", "Other Net Income": "-3.85", "Economic Capital Ratio": "7.51" }, "2022": { "Loans": "-11.3", "Assets": "-2.91", "Liabilities": "9.33", "Stockholders Equity": "8.70", "ECR before LimitedLiability": "1.71", "Other Assets": "4.20", "Cash and Cash Equivalents": "6.73", "Notes Receivable": "1.96", "Deposits": "12.8", "Other Liabilities": "-24.6", "Debt": "4.90", "Labor and Related Expense": "1.32", "Expenses": "-24.8", "Revenues": "9.67", "Net Income": "-8.95", "General and Administrative Expense": "-6.08", "Other Expenses": "-5.67", "Selling and Marketing Expense": "-5.49", "Operating Expenses": "-5.30", "Other Revenues": "9.67", "Comprehensive Net Income": "-8.30", "Economic Capital Ratio": "1.24" }, "2023": { "Assets": "-4.18", "Liabilities": "5.30", "Stockholders Equity": "4.20", "Notes Receivable": "-1.30", "Loans": "-2.79", "Other Assets": "-2.39", "Cash and Cash Equivalents": "2.77", "Other Liabilities": "-22.7", "Economic Capital Ratio": "-2.88", "Deposits": "8.93", "Debt": "3.77", "Expenses": "-21.5", "Revenues": "5.60", "Net Income": "-9.21", "Labor and Related Expense": "1.64", "Other Expenses": "-7.44", "Operating Expenses": "-5.73", "Selling and Marketing Expense": "-5.63", "General and Administrative Expense": "-4.85", "Other Revenues": "5.60", "Comprehensive Net Income": "-9.43" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001820953_strength_weakness.svg", "table_records": { "2021": { "input_variables": { "Cash and Cash Equivalents": "1,466,558", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "383,749", "Interest Expense": "0", "Interest Payable": "2,751", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "1,904,560", "Occupancy": "0", "Operating Expenses": "322,914", "Other Assets": "1,495,849", "Other Compr. Net Income": "7,075", "Other Expenses": "362,935", "Other Liabilities": "2,288,689", "Other Net Income": "-59,703", "Other Revenues": "870,464", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "182,190" }, "output_variables": { "Assets": "4,866,967", "Liabilities": "2,291,440", "Expenses": "1,251,788", "Revenues": "870,464", "Stockholders Equity": "2,575,527", "Net Income": "-441,027", "Comprehensive Net Income": "-433,952", "BaseVar": "4,673,718", "ECR before LimitedLiability": "24%", "Economic Capital Ratio": "26%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "1,255,171", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "577,493", "Interest Expense": "0", "Interest Payable": "6,659", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "2,348,169", "Occupancy": "0", "Operating Expenses": "576,457", "Other Assets": "3,370,452", "Other Compr. Net Income": "-13,922", "Other Expenses": "511,633", "Other Liabilities": "4,348,878", "Other Net Income": "141,217", "Other Revenues": "1,349,292", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "532,343" }, "output_variables": { "Assets": "6,973,792", "Liabilities": "4,355,537", "Expenses": "2,197,926", "Revenues": "1,349,292", "Stockholders Equity": "2,618,255", "Net Income": "-707,417", "Comprehensive Net Income": "-721,339", "BaseVar": "7,515,843", "ECR before LimitedLiability": "10%", "Economic Capital Ratio": "17%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "892,027", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "586,398", "Interest Expense": "0", "Interest Payable": "13,498", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "4,198,431", "Occupancy": "0", "Operating Expenses": "873,161", "Other Assets": "3,065,157", "Other Compr. Net Income": "-8,274", "Other Expenses": "687,108", "Other Liabilities": "5,607,934", "Other Net Income": "211,617", "Other Revenues": "1,587,985", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "638,280" }, "output_variables": { "Assets": "8,155,615", "Liabilities": "5,621,432", "Expenses": "2,784,947", "Revenues": "1,587,985", "Stockholders Equity": "2,534,183", "Net Income": "-985,345", "Comprehensive Net Income": "-993,619", "BaseVar": "9,184,935", "ECR before LimitedLiability": "4.0%", "Economic Capital Ratio": "12%" } } }, "top_rated": false, "trend": -39.0, "value": 0.121415464356408, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001820953.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001820953.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001820953.svg" }, { "company_id": "0001435508", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001435508.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001435508.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001435508.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001435508_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001435508_main_keyfigs.svg", "name": "First Savings Financial Group Inc", "rank": 65, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001435508.svg", "report_text": "The relative strengths and weaknesses of First Savings Financial Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of First Savings Financial Group Inc compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 12% points.The greatest weakness of First Savings Financial Group Inc is the variable Notes Receivable, reducing the Economic Capital Ratio by 13% points.

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_savings/2023/report/0001435508_2024_First_Savings_Financial_Group_Inc.pdf", "shrinked_graph_json": { "2017": { "Notes Receivable": "-1.32", "Assets": "0.698", "Liabilities": "-2.86", "Stockholders Equity": "-1.94", "ECR before LimitedLiability": "-1.71", "Securities": "-0.572", "Other Assets": "13.7", "Loans": "-14.4", "Other Liabilities": "3.56", "Debt": "3.25", "Deposits": "-9.43", "Expenses": "4.07", "Revenues": "-2.85", "Net Income": "0.825", "Selling and Marketing Expense": "0.527", "Operating Expenses": "2.08", "Labor and Related Expense": "0.592", "General and Administrative Expense": "0.477", "Other Revenues": "-2.85", "Comprehensive Net Income": "0.684", "Economic Capital Ratio": "-2.42" }, "2018": { "Other Assets": "13.0", "Assets": "-1.04", "Liabilities": "-2.02", "Stockholders Equity": "-2.91", "ECR before LimitedLiability": "-3.24", "Notes Receivable": "-1.26", "Securities": "-0.510", "Loans": "-16.0", "Deposits": "-9.09", "Other Liabilities": "4.69", "Debt": "3.01", "Expenses": "1.13", "Revenues": "-2.44", "Net Income": "0.390", "Labor and Related Expense": "-1.04", "Selling and Marketing Expense": "0.579", "Operating Expenses": "1.37", "Other Revenues": "-2.44", "Other Net Income": "1.95", "Economic Capital Ratio": "-3.51", "Other Compr. Net Income": "-0.372" }, "2019": { "Other Assets": "-1.01", "Assets": "0.399", "Liabilities": "-2.60", "Stockholders Equity": "-1.97", "ECR before LimitedLiability": "-1.65", "Notes Receivable": "-2.08", "Loans": "5.11", "Securities": "-0.450", "Deposits": "-6.25", "Debt": "4.17", "General and Administrative Expense": "0.360", "Expenses": "3.26", "Revenues": "-2.33", "Net Income": "0.518", "Other Expenses": "0.478", "Operating Expenses": "0.606", "Selling and Marketing Expense": "0.689", "Labor and Related Expense": "0.572", "Other Revenues": "-2.33", "Comprehensive Net Income": "0.851", "Economic Capital Ratio": "-1.84" }, "2020": { "Other Liabilities": "-2.91", "Liabilities": "-3.41", "Stockholders Equity": "-2.99", "ECR before LimitedLiability": "-3.00", "Deposits": "-3.72", "Debt": "3.42", "Expenses": "3.81", "Net Income": "0.789", "General and Administrative Expense": "0.488", "Selling and Marketing Expense": "0.627", "Operating Expenses": "1.12", "Labor and Related Expense": "0.796", "Other Revenues": "-3.03", "Revenues": "-3.03", "Notes Receivable": "-4.68", "Loans": "6.39", "Cash and Cash Equivalents": "-1.32", "Securities": "-0.356", "Comprehensive Net Income": "0.965", "Other Net Income": "0.516", "Economic Capital Ratio": "-3.33" }, "2021": { "Securities": "-0.325", "Assets": "0.781", "Liabilities": "-3.25", "Expenses": "3.98", "Revenues": "-3.49", "Stockholders Equity": "-2.18", "ECR before LimitedLiability": "-3.55", "Loans": "7.34", "Other Assets": "-0.526", "Notes Receivable": "-5.41", "Cash and Cash Equivalents": "-1.57", "Other Liabilities": "1.52", "Deposits": "-8.09", "Debt": "3.39", "Selling and Marketing Expense": "0.637", "Operating Expenses": "0.988", "Labor and Related Expense": "0.974", "Interest Expense": "0.208", "General and Administrative Expense": "0.645", "Other Revenues": "-3.49", "Economic Capital Ratio": "-3.99" }, "2022": { "Loans": "7.88", "Assets": "0.861", "Liabilities": "-4.28", "Stockholders Equity": "-3.26", "Other Assets": "-2.86", "Cash and Cash Equivalents": "-0.696", "Notes Receivable": "-8.62", "Deposits": "-10.5", "Other Liabilities": "2.62", "Debt": "2.77", "Labor and Related Expense": "1.31", "Expenses": "2.86", "ECR before LimitedLiability": "-4.16", "General and Administrative Expense": "0.762", "Selling and Marketing Expense": "0.811", "Operating Expenses": "1.58", "Other Revenues": "-3.49", "Revenues": "-3.49", "Economic Capital Ratio": "-4.63", "Other Net Income": "-0.947", "Other Compr. Net Income": "-0.841" }, "2023": { "Assets": "2.48", "Liabilities": "-5.23", "Stockholders Equity": "-2.78", "Notes Receivable": "-13.3", "Loans": "11.9", "Other Assets": "-5.50", "Cash and Cash Equivalents": "-1.47", "Other Liabilities": "3.31", "Deposits": "-12.3", "Debt": "3.44", "Expenses": "3.87", "Revenues": "-4.83", "Net Income": "1.29", "Labor and Related Expense": "1.24", "Operating Expenses": "3.42", "Selling and Marketing Expense": "1.20", "General and Administrative Expense": "1.46", "Other Revenues": "-4.83", "ECR before LimitedLiability": "-1.24", "Comprehensive Net Income": "1.03", "Economic Capital Ratio": "-3.14" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001435508_strength_weakness.svg", "table_records": { "2017": { "input_variables": { "Cash and Cash Equivalents": "34,259", "Debt": "0", "Deposits": "669,382", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "283", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "856,874", "Other Compr. Net Income": "-1,786", "Other Expenses": "2,520", "Other Liabilities": "128,353", "Other Net Income": "11,833", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "891,133", "Liabilities": "798,018", "Expenses": "2,520", "Revenues": "0", "Stockholders Equity": "93,115", "Net Income": "9,313", "Comprehensive Net Income": "7,527", "BaseVar": "852,645", "ECR before LimitedLiability": "6.4%", "Economic Capital Ratio": "14%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "42,274", "Debt": "0", "Deposits": "811,112", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "743", "Labor and Related Expense": "19,730", "Loans": "0", "Notes Receivable": "0", "Occupancy": "3,629", "Operating Expenses": "0", "Other Assets": "992,132", "Other Compr. Net Income": "-5,829", "Other Expenses": "10,378", "Other Liabilities": "122,306", "Other Net Income": "43,442", "Other Revenues": "961", "Professional Fees": "1,786", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,034,406", "Liabilities": "934,161", "Expenses": "35,523", "Revenues": "961", "Stockholders Equity": "100,245", "Net Income": "8,880", "Comprehensive Net Income": "3,051", "BaseVar": "1,027,161", "ECR before LimitedLiability": "5.4%", "Economic Capital Ratio": "13%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "41,432", "Debt": "0", "Deposits": "834,384", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "935", "Labor and Related Expense": "0", "Loans": "810,658", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "370,489", "Other Compr. Net Income": "6,096", "Other Expenses": "3,095", "Other Liabilities": "266,003", "Other Net Income": "20,090", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,222,579", "Liabilities": "1,101,322", "Expenses": "3,095", "Revenues": "0", "Stockholders Equity": "121,257", "Net Income": "16,995", "Comprehensive Net Income": "23,091", "BaseVar": "1,176,591", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "15%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "33,726", "Debt": "0", "Deposits": "1,048,076", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "683", "Labor and Related Expense": "0", "Loans": "1,090,063", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "640,836", "Other Compr. Net Income": "3,186", "Other Expenses": "12,661", "Other Liabilities": "558,301", "Other Net Income": "46,742", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,764,625", "Liabilities": "1,607,060", "Expenses": "12,661", "Revenues": "0", "Stockholders Equity": "157,565", "Net Income": "34,081", "Comprehensive Net Income": "37,267", "BaseVar": "1,717,137", "ECR before LimitedLiability": "6.9%", "Economic Capital Ratio": "15%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "33,428", "Debt": "0", "Deposits": "1,227,580", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "258", "Labor and Related Expense": "0", "Loans": "1,075,936", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "611,142", "Other Compr. Net Income": "-2,711", "Other Expenses": "9,997", "Other Liabilities": "312,291", "Other Net Income": "39,966", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "1,720,506", "Liabilities": "1,540,129", "Expenses": "9,997", "Revenues": "0", "Stockholders Equity": "180,377", "Net Income": "29,969", "Comprehensive Net Income": "27,258", "BaseVar": "1,656,654", "ECR before LimitedLiability": "7.2%", "Economic Capital Ratio": "15%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "41,665", "Debt": "0", "Deposits": "1,515,834", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "1,302", "Labor and Related Expense": "0", "Loans": "1,436,555", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "579,442", "Other Compr. Net Income": "-35,979", "Other Expenses": "2,378", "Other Liabilities": "387,903", "Other Net Income": "18,822", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,057,662", "Liabilities": "1,905,039", "Expenses": "2,378", "Revenues": "0", "Stockholders Equity": "152,623", "Net Income": "16,444", "Comprehensive Net Income": "-19,535", "BaseVar": "2,009,940", "ECR before LimitedLiability": "2.9%", "Economic Capital Ratio": "11%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "30,845", "Debt": "0", "Deposits": "1,681,794", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "8,926", "Labor and Related Expense": "0", "Loans": "1,770,243", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "487,766", "Other Compr. Net Income": "-2,508", "Other Expenses": "10", "Other Liabilities": "447,153", "Other Net Income": "8,182", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,288,854", "Liabilities": "2,137,873", "Expenses": "10", "Revenues": "0", "Stockholders Equity": "150,981", "Net Income": "8,172", "Comprehensive Net Income": "5,664", "BaseVar": "2,218,714", "ECR before LimitedLiability": "3.7%", "Economic Capital Ratio": "12%" } } }, "top_rated": false, "trend": 16.0, "value": 0.11880324976061171, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001435508.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001435508.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001435508.svg" }, { "company_id": "0000845877", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000845877.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000845877.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000845877.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000845877_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000845877_main_keyfigs.svg", "name": "Federal Agricultural Mortgage CORP", "rank": 66, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000845877.svg", "report_text": "The relative strengths and weaknesses of Federal Agricultural Mortgage CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Federal Agricultural Mortgage CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 6.9% points.The greatest weakness of Federal Agricultural Mortgage CORP is the variable Debt, reducing the Economic Capital Ratio by 63% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 3.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000845877_2024_Federal_Agricultural_Mortgage_CORP.pdf", "shrinked_graph_json": { "2019": { "Other Assets": "5.85", "Assets": "-0.631", "Liabilities": "-4.69", "Stockholders Equity": "-4.91", "Notes Receivable": "-2.59", "Loans": "-8.14", "Securities": "-0.569", "Deposits": "7.11", "Debt": "-59.6", "Other Liabilities": "2.48", "Expenses": "2.17", "Revenues": "-2.76", "Comprehensive Net Income": "-0.508", "Other Expenses": "0.696", "Operating Expenses": "0.729", "Selling and Marketing Expense": "0.829", "Labor and Related Expense": "0.688", "Other Revenues": "-2.76", "ECR before LimitedLiability": "-5.83", "Other Net Income": "-1.03", "Economic Capital Ratio": "-6.02" }, "2020": { "Other Liabilities": "3.20", "Liabilities": "-5.42", "Stockholders Equity": "-5.30", "Notes Receivable": "3.71", "Deposits": "6.97", "Debt": "-65.4", "Expenses": "2.55", "Revenues": "-3.47", "Net Income": "-0.484", "General and Administrative Expense": "0.568", "Selling and Marketing Expense": "0.731", "Operating Expenses": "1.31", "Labor and Related Expense": "0.927", "Other Expenses": "0.653", "Other Revenues": "-3.47", "ECR before LimitedLiability": "-6.61", "Other Assets": "4.26", "Loans": "-12.3", "Cash and Cash Equivalents": "-0.634", "Other Net Income": "-1.32", "Economic Capital Ratio": "-6.95" }, "2021": { "Other Liabilities": "3.42", "Liabilities": "-5.27", "Stockholders Equity": "-4.75", "Deposits": "7.58", "Debt": "-67.3", "Selling and Marketing Expense": "0.737", "Expenses": "2.98", "Net Income": "-1.27", "Operating Expenses": "1.15", "Labor and Related Expense": "1.13", "General and Administrative Expense": "0.747", "Other Revenues": "-3.94", "Revenues": "-3.94", "ECR before LimitedLiability": "-6.94", "Loans": "-11.1", "Other Assets": "4.35", "Notes Receivable": "3.85", "Cash and Cash Equivalents": "-1.23", "Comprehensive Net Income": "-1.06", "Other Net Income": "-1.54", "Economic Capital Ratio": "-7.38" }, "2022": { "Loans": "-10.1", "Assets": "0.571", "Liabilities": "-5.19", "Stockholders Equity": "-4.32", "Other Assets": "4.64", "Notes Receivable": "2.86", "Deposits": "7.09", "Other Liabilities": "3.40", "Debt": "-63.6", "Labor and Related Expense": "1.30", "Expenses": "2.83", "Revenues": "-3.46", "Comprehensive Net Income": "0.753", "General and Administrative Expense": "0.756", "Selling and Marketing Expense": "0.804", "Operating Expenses": "1.57", "Other Revenues": "-3.46", "ECR before LimitedLiability": "-4.18", "Other Compr. Net Income": "0.585", "Other Net Income": "-1.02", "Economic Capital Ratio": "-4.65" }, "2023": { "Assets": "1.92", "Liabilities": "-5.58", "Stockholders Equity": "-3.58", "Notes Receivable": "-3.78", "Loans": "-2.24", "Other Assets": "4.45", "Cash and Cash Equivalents": "-0.852", "Other Liabilities": "3.86", "Deposits": "6.86", "Debt": "-63.1", "Expenses": "3.50", "Revenues": "-4.93", "Net Income": "1.62", "Labor and Related Expense": "1.27", "Operating Expenses": "3.00", "Selling and Marketing Expense": "1.23", "General and Administrative Expense": "1.49", "Other Revenues": "-4.93", "ECR before LimitedLiability": "-1.66", "Comprehensive Net Income": "1.50", "Economic Capital Ratio": "-3.57" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000845877_strength_weakness.svg", "table_records": { "2019": { "input_variables": { "Cash and Cash Equivalents": "604,381", "Debt": "19,098,648", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "106,959", "Labor and Related Expense": "0", "Loans": "6,981,440", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "14,123,553", "Other Compr. Net Income": "-41,117", "Other Expenses": "29,105", "Other Liabilities": "1,704,491", "Other Net Income": "138,651", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "21,709,374", "Liabilities": "20,910,098", "Expenses": "29,105", "Revenues": "0", "Stockholders Equity": "799,276", "Net Income": "109,546", "Comprehensive Net Income": "68,429", "BaseVar": "21,414,172", "ECR before LimitedLiability": "2.2%", "Economic Capital Ratio": "11%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "1,033,941", "Debt": "21,848,917", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "92,738", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "8,535,146", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "14,786,414", "Other Compr. Net Income": "2,238", "Other Expenses": "28,785", "Other Liabilities": "1,421,369", "Other Net Income": "137,433", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "24,355,501", "Liabilities": "23,363,024", "Expenses": "28,785", "Revenues": "0", "Stockholders Equity": "992,477", "Net Income": "108,648", "Comprehensive Net Income": "110,886", "BaseVar": "23,943,490", "ECR before LimitedLiability": "2.5%", "Economic Capital Ratio": "11%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "908,785", "Debt": "22,716,156", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "83,992", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "9,248,678", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "14,988,028", "Other Compr. Net Income": "17,776", "Other Expenses": "35,353", "Other Liabilities": "1,140,930", "Other Net Income": "167,613", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "25,145,491", "Liabilities": "23,941,078", "Expenses": "35,353", "Revenues": "0", "Stockholders Equity": "1,204,413", "Net Income": "132,260", "Comprehensive Net Income": "150,036", "BaseVar": "24,653,656", "ECR before LimitedLiability": "3.1%", "Economic Capital Ratio": "11%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "861,002", "Debt": "24,469,113", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "117,887", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "10,208,307", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "16,263,801", "Other Compr. Net Income": "-54,696", "Other Expenses": "47,535", "Other Liabilities": "1,474,152", "Other Net Income": "225,679", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "27,333,110", "Liabilities": "26,061,152", "Expenses": "47,535", "Revenues": "0", "Stockholders Equity": "1,271,958", "Net Income": "178,144", "Comprehensive Net Income": "123,448", "BaseVar": "26,861,086", "ECR before LimitedLiability": "2.8%", "Economic Capital Ratio": "11%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "888,707", "Debt": "26,336,542", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "181,841", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "11,039,349", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "17,596,326", "Other Compr. Net Income": "10,698", "Other Expenses": "53,098", "Other Liabilities": "1,594,136", "Other Net Income": "253,101", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "29,524,382", "Liabilities": "28,112,519", "Expenses": "53,098", "Revenues": "0", "Stockholders Equity": "1,411,863", "Net Income": "200,003", "Comprehensive Net Income": "210,701", "BaseVar": "28,976,899", "ECR before LimitedLiability": "3.2%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": 16.0, "value": 0.11455418160955999, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000845877.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000845877.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000845877.svg" }, { "company_id": "0001391933", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001391933.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001391933.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001391933.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001391933_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001391933_main_keyfigs.svg", "name": "Quaint OAK Bancorp INC", "rank": 67, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001391933.svg", "report_text": "The relative strengths and weaknesses of Quaint OAK Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Quaint OAK Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 6.4% points.The greatest weakness of Quaint OAK Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 17% points.

The company's Economic Capital Ratio, given in the ranking table, is 11%, being 3.9% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001391933_2024_Quaint_OAK_Bancorp_INC.pdf", "shrinked_graph_json": { "2016": { "Assets": "1.32", "Liabilities": "-3.61", "Stockholders Equity": "-2.10", "ECR before LimitedLiability": "-2.11", "Other Assets": "-7.23", "Notes Receivable": "-1.44", "Loans": "7.86", "Deposits": "-13.9", "Other Liabilities": "5.19", "Debt": "3.86", "Expenses": "5.17", "Revenues": "-3.75", "Net Income": "0.716", "Selling and Marketing Expense": "1.04", "General and Administrative Expense": "1.15", "Labor and Related Expense": "0.610", "Other Expenses": "-1.13", "Operating Expenses": "3.20", "Other Revenues": "-3.75", "Comprehensive Net Income": "0.794", "Economic Capital Ratio": "-3.38" }, "2017": { "Notes Receivable": "-1.37", "Assets": "0.508", "Liabilities": "-3.22", "Stockholders Equity": "-2.48", "ECR before LimitedLiability": "-2.42", "Securities": "-0.596", "Other Assets": "-7.28", "Loans": "7.52", "Other Liabilities": "4.40", "Debt": "3.33", "Deposits": "-10.5", "Expenses": "3.99", "Revenues": "-2.93", "Net Income": "0.470", "Selling and Marketing Expense": "0.544", "Operating Expenses": "2.15", "Labor and Related Expense": "0.611", "General and Administrative Expense": "0.493", "Other Revenues": "-2.93", "Comprehensive Net Income": "0.510", "Economic Capital Ratio": "-3.13" }, "2018": { "Liabilities": "-3.52", "Stockholders Equity": "-3.04", "ECR before LimitedLiability": "-3.27", "Deposits": "-9.73", "Other Liabilities": "3.74", "Debt": "2.90", "Expenses": "4.03", "Comprehensive Net Income": "0.403", "Labor and Related Expense": "0.544", "Other Expenses": "0.787", "Selling and Marketing Expense": "0.559", "Operating Expenses": "1.32", "Other Revenues": "-2.43", "Revenues": "-2.43", "Other Assets": "-7.40", "Notes Receivable": "-1.22", "Securities": "-0.493", "Cash and Cash Equivalents": "2.72", "Loans": "5.79", "Other Net Income": "-0.797", "Economic Capital Ratio": "-3.54" }, "2019": { "Liabilities": "-3.19", "Stockholders Equity": "-2.61", "ECR before LimitedLiability": "-3.11", "Deposits": "-9.38", "Debt": "4.38", "Other Liabilities": "2.30", "General and Administrative Expense": "0.384", "Expenses": "3.43", "Other Expenses": "0.457", "Operating Expenses": "0.646", "Selling and Marketing Expense": "0.735", "Labor and Related Expense": "0.610", "Other Revenues": "-2.46", "Revenues": "-2.46", "Other Assets": "-6.27", "Cash and Cash Equivalents": "0.431", "Notes Receivable": "-2.24", "Loans": "6.50", "Securities": "-0.488", "Economic Capital Ratio": "-3.30", "Other Net Income": "-0.501" }, "2020": { "Notes Receivable": "-5.41", "Assets": "-1.05", "Liabilities": "-3.97", "Stockholders Equity": "-4.62", "Other Assets": "-6.64", "Loans": "6.70", "Other Liabilities": "2.24", "Deposits": "-9.31", "Debt": "3.17", "Expenses": "2.31", "Revenues": "-3.43", "Net Income": "-0.626", "General and Administrative Expense": "0.564", "Selling and Marketing Expense": "0.726", "Operating Expenses": "1.30", "Labor and Related Expense": "-0.659", "Other Revenues": "-3.43", "ECR before LimitedLiability": "-5.87", "Comprehensive Net Income": "-0.581", "Other Net Income": "0.898", "Economic Capital Ratio": "-6.21" }, "2021": { "Assets": "-1.24", "Liabilities": "-3.23", "Stockholders Equity": "-4.15", "Loans": "7.76", "Other Assets": "-4.85", "Notes Receivable": "-6.19", "Cash and Cash Equivalents": "-1.90", "Other Liabilities": "3.77", "Deposits": "-11.2", "Debt": "3.75", "Expenses": "1.03", "Revenues": "-3.95", "Net Income": "-1.16", "Operating Expenses": "1.15", "Labor and Related Expense": "-1.33", "General and Administrative Expense": "0.750", "Other Revenues": "-3.95", "ECR before LimitedLiability": "-6.09", "Comprehensive Net Income": "-1.09", "Other Net Income": "2.24", "Economic Capital Ratio": "-6.52" }, "2022": { "Loans": "9.75", "Assets": "-0.699", "Liabilities": "-3.44", "Stockholders Equity": "-3.84", "Other Assets": "-5.47", "Cash and Cash Equivalents": "-1.35", "Notes Receivable": "-8.64", "Deposits": "-7.69", "Debt": "3.26", "Labor and Related Expense": "-0.989", "Expenses": "1.81", "Revenues": "-3.49", "Comprehensive Net Income": "0.554", "General and Administrative Expense": "0.766", "Selling and Marketing Expense": "0.816", "Operating Expenses": "1.59", "Other Revenues": "-3.49", "ECR before LimitedLiability": "-3.65", "Other Compr. Net Income": "0.492", "Other Net Income": "2.22", "Economic Capital Ratio": "-4.12" }, "2023": { "Assets": "0.880", "Liabilities": "-3.99", "Stockholders Equity": "-2.97", "Notes Receivable": "6.40", "Loans": "-2.35", "Other Assets": "-8.71", "Cash and Cash Equivalents": "1.47", "Other Liabilities": "3.31", "Deposits": "-17.3", "Debt": "2.74", "Expenses": "2.72", "ECR before LimitedLiability": "-2.00", "Labor and Related Expense": "-1.25", "Other Expenses": "-1.00", "Operating Expenses": "2.68", "Selling and Marketing Expense": "1.29", "General and Administrative Expense": "1.57", "Other Revenues": "-5.14", "Revenues": "-5.14", "Economic Capital Ratio": "-3.90", "Other Net Income": "2.06" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001391933_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "9,300", "Debt": "0", "Deposits": "177,007", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "142", "Labor and Related Expense": "0", "Loans": "176,807", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "30,056", "Other Compr. Net Income": "-26", "Other Expenses": "736", "Other Liabilities": "18,224", "Other Net Income": "2,234", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "216,163", "Liabilities": "195,373", "Expenses": "736", "Revenues": "0", "Stockholders Equity": "20,790", "Net Income": "1,498", "Comprehensive Net Income": "1,472", "BaseVar": "207,266", "ECR before LimitedLiability": "5.8%", "Economic Capital Ratio": "14%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "7,910", "Debt": "0", "Deposits": "186,221", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "167", "Labor and Related Expense": "0", "Loans": "201,667", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "30,019", "Other Compr. Net Income": "25", "Other Expenses": "1,205", "Other Liabilities": "31,023", "Other Net Income": "2,672", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "239,596", "Liabilities": "217,411", "Expenses": "1,205", "Revenues": "0", "Stockholders Equity": "22,185", "Net Income": "1,467", "Comprehensive Net Income": "1,492", "BaseVar": "230,454", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "13%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "26,012", "Debt": "0", "Deposits": "211,911", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "221", "Labor and Related Expense": "0", "Loans": "216,898", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "28,494", "Other Compr. Net Income": "13", "Other Expenses": "667", "Other Liabilities": "35,436", "Other Net Income": "2,671", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "271,404", "Liabilities": "247,568", "Expenses": "667", "Revenues": "0", "Stockholders Equity": "23,836", "Net Income": "2,004", "Comprehensive Net Income": "2,017", "BaseVar": "261,162", "ECR before LimitedLiability": "5.4%", "Economic Capital Ratio": "13%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "14,555", "Debt": "0", "Deposits": "227,458", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "314", "Labor and Related Expense": "0", "Loans": "246,692", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "41,293", "Other Compr. Net Income": "22", "Other Expenses": "950", "Other Liabilities": "48,861", "Other Net Income": "3,427", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "302,540", "Liabilities": "276,633", "Expenses": "950", "Revenues": "0", "Stockholders Equity": "25,907", "Net Income": "2,477", "Comprehensive Net Income": "2,499", "BaseVar": "291,786", "ECR before LimitedLiability": "5.3%", "Economic Capital Ratio": "13%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "33,913", "Debt": "0", "Deposits": "354,845", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "362", "Labor and Related Expense": "8,427", "Loans": "359,122", "Notes Receivable": "0", "Occupancy": "913", "Operating Expenses": "0", "Other Assets": "91,040", "Other Compr. Net Income": "98", "Other Expenses": "3,534", "Other Liabilities": "100,140", "Other Net Income": "14,732", "Other Revenues": "80", "Professional Fees": "541", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "484,075", "Liabilities": "455,347", "Expenses": "13,415", "Revenues": "80", "Stockholders Equity": "28,728", "Net Income": "1,397", "Comprehensive Net Income": "1,495", "BaseVar": "483,874", "ECR before LimitedLiability": "3.4%", "Economic Capital Ratio": "12%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "10,705", "Debt": "0", "Deposits": "447,166", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "174", "Labor and Related Expense": "15,538", "Loans": "403,966", "Notes Receivable": "0", "Occupancy": "1,621", "Operating Expenses": "0", "Other Assets": "139,444", "Other Compr. Net Income": "-513", "Other Expenses": "5,761", "Other Liabilities": "69,866", "Other Net Income": "27,245", "Other Revenues": "83", "Professional Fees": "659", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "554,115", "Liabilities": "517,206", "Expenses": "23,579", "Revenues": "83", "Stockholders Equity": "36,909", "Net Income": "3,749", "Comprehensive Net Income": "3,236", "BaseVar": "561,370", "ECR before LimitedLiability": "4.0%", "Economic Capital Ratio": "12%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "3,893", "Debt": "0", "Deposits": "549,248", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "584", "Labor and Related Expense": "20,137", "Loans": "621,864", "Notes Receivable": "0", "Occupancy": "1,904", "Operating Expenses": "0", "Other Assets": "166,593", "Other Compr. Net Income": "-2,495", "Other Expenses": "7,525", "Other Liabilities": "193,436", "Other Net Income": "34,617", "Other Revenues": "89", "Professional Fees": "748", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "792,350", "Liabilities": "743,268", "Expenses": "30,314", "Revenues": "89", "Stockholders Equity": "49,082", "Net Income": "4,392", "Comprehensive Net Income": "1,897", "BaseVar": "801,566", "ECR before LimitedLiability": "3.4%", "Economic Capital Ratio": "12%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "62,127", "Debt": "0", "Deposits": "631,699", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "1,106", "Labor and Related Expense": "20,973", "Loans": "0", "Notes Receivable": "603,349", "Occupancy": "2,481", "Operating Expenses": "0", "Other Assets": "88,642", "Other Compr. Net Income": "364", "Other Expenses": "7,156", "Other Liabilities": "69,748", "Other Net Income": "25,833", "Other Revenues": "102", "Professional Fees": "1,058", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "754,118", "Liabilities": "702,553", "Expenses": "31,668", "Revenues": "102", "Stockholders Equity": "51,565", "Net Income": "-5,733", "Comprehensive Net Income": "-5,369", "BaseVar": "757,319", "ECR before LimitedLiability": "2.8%", "Economic Capital Ratio": "11%" } } }, "top_rated": false, "trend": 11.0, "value": 0.11119153860713309, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001391933.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001391933.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001391933.svg" }, { "company_id": "0001695963", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001695963.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001695963.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001695963.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001695963_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001695963_main_keyfigs.svg", "name": "Korth Direct Mortgage Inc", "rank": 68, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001695963.svg", "report_text": "The relative strengths and weaknesses of Korth Direct Mortgage Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Korth Direct Mortgage Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Korth Direct Mortgage Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 46% points.

The company's Economic Capital Ratio, given in the ranking table, is 10%, being 4.6% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001695963_2024_Korth_Direct_Mortgage_Inc.pdf", "shrinked_graph_json": { "2017": { "Notes Receivable": "-0.787", "Assets": "-3.08", "Liabilities": "-2.08", "Stockholders Equity": "-4.24", "ECR before LimitedLiability": "-11.7", "Cash and Cash Equivalents": "-0.769", "Other Assets": "4.13", "Loans": "-12.0", "Other Liabilities": "-35.3", "Debt": "0.993", "Deposits": "3.72", "Expenses": "-2.52", "Revenues": "-0.703", "Net Income": "-3.45", "Other Expenses": "1.06", "Operating Expenses": "-2.57", "Labor and Related Expense": "-1.68", "Other Revenues": "-0.703", "Comprehensive Net Income": "-3.44", "Other Net Income": "-0.439", "Economic Capital Ratio": "-12.4" }, "2018": { "Other Assets": "8.37", "Assets": "-3.57", "Liabilities": "-4.52", "Stockholders Equity": "-7.84", "Notes Receivable": "-1.09", "Securities": "-0.0784", "Cash and Cash Equivalents": "-1.15", "Loans": "-17.4", "Deposits": "6.03", "Other Liabilities": "-54.5", "Debt": "0.273", "Expenses": "0.0157", "ECR before LimitedLiability": "-8.12", "Interest Expense": "0", "Labor and Related Expense": "0", "Other Expenses": "0.0278", "Selling and Marketing Expense": "0.0256", "Operating Expenses": "-0.551", "General and Administrative Expense": "0", "Economic Capital Ratio": "-8.39", "Other Net Income": "0" }, "2019": { "Other Assets": "13.3", "Assets": "-0.793", "Liabilities": "-2.83", "Stockholders Equity": "-3.36", "ECR before LimitedLiability": "-2.85", "Cash and Cash Equivalents": "-0.515", "Notes Receivable": "-2.25", "Loans": "-15.1", "Securities": "-0.490", "Deposits": "9.35", "Debt": "4.43", "Other Liabilities": "-54.0", "Expenses": "2.18", "Revenues": "-2.01", "Net Income": "1.09", "Other Expenses": "0.674", "Selling and Marketing Expense": "0.741", "Other Revenues": "-2.01", "Comprehensive Net Income": "1.01", "Other Net Income": "1.13", "Economic Capital Ratio": "-3.04" }, "2020": { "Notes Receivable": "-5.68", "Assets": "-1.23", "Liabilities": "-5.08", "Stockholders Equity": "-5.76", "Other Assets": "10.3", "Loans": "-12.6", "Cash and Cash Equivalents": "-2.03", "Other Liabilities": "-49.6", "Deposits": "6.75", "Debt": "2.06", "Expenses": "2.04", "Revenues": "-2.40", "Net Income": "-0.571", "General and Administrative Expense": "0.574", "Selling and Marketing Expense": "0.756", "Other Expenses": "1.09", "Other Revenues": "-2.40", "ECR before LimitedLiability": "-7.04", "Comprehensive Net Income": "-0.543", "Other Net Income": "-1.29", "Economic Capital Ratio": "-7.38" }, "2021": { "Other Liabilities": "-52.2", "Liabilities": "-3.36", "Stockholders Equity": "-3.27", "ECR before LimitedLiability": "-4.86", "Deposits": "9.19", "Debt": "3.61", "Selling and Marketing Expense": "0.687", "Expenses": "2.59", "Net Income": "-0.650", "Other Expenses": "0.569", "General and Administrative Expense": "0.671", "Other Revenues": "-2.24", "Revenues": "-2.24", "Securities": "-0.333", "Loans": "-10.6", "Other Assets": "13.2", "Notes Receivable": "-5.78", "Cash and Cash Equivalents": "-2.39", "Comprehensive Net Income": "-0.508", "Other Net Income": "-0.728", "Economic Capital Ratio": "-5.30" }, "2022": { "Deposits": "7.88", "Liabilities": "-4.03", "Loans": "-9.91", "Stockholders Equity": "-3.59", "Other Liabilities": "-49.5", "Debt": "3.69", "Labor and Related Expense": "0.498", "Expenses": "3.42", "Revenues": "-1.85", "Comprehensive Net Income": "0.920", "General and Administrative Expense": "0.646", "Selling and Marketing Expense": "0.783", "Operating Expenses": "0.425", "Other Revenues": "-1.85", "ECR before LimitedLiability": "-3.19", "Other Assets": "12.0", "Cash and Cash Equivalents": "-1.47", "Notes Receivable": "-8.36", "Other Compr. Net Income": "0.753", "Other Net Income": "-1.05", "Economic Capital Ratio": "-3.66" }, "2023": { "Assets": "1.39", "Liabilities": "-5.01", "Stockholders Equity": "-3.55", "Notes Receivable": "-14.1", "Loans": "-2.41", "Other Assets": "10.3", "Cash and Cash Equivalents": "-2.20", "Other Liabilities": "-45.7", "Deposits": "6.21", "Debt": "2.07", "Interest Expense": "0.343", "Expenses": "2.41", "ECR before LimitedLiability": "-2.73", "Labor and Related Expense": "0.574", "Operating Expenses": "1.93", "Selling and Marketing Expense": "1.31", "General and Administrative Expense": "1.59", "Other Revenues": "-3.84", "Revenues": "-3.84", "Economic Capital Ratio": "-4.63", "Other Net Income": "-2.05" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001695963_strength_weakness.svg", "table_records": { "2017": { "input_variables": { "Cash and Cash Equivalents": "20", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "1.6", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "129", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "234", "Other Assets": "2,066", "Other Compr. Net Income": "0", "Other Expenses": "-74", "Other Liabilities": "2,404", "Other Net Income": "0", "Other Revenues": "46", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,086", "Liabilities": "2,404", "Expenses": "290", "Revenues": "46", "Stockholders Equity": "-318", "Net Income": "-244", "Comprehensive Net Income": "-244", "BaseVar": "2,413", "ECR before LimitedLiability": "-18%", "Economic Capital Ratio": "4.1%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "15", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "2.6", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "161", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "384", "Other Assets": "13,561", "Other Compr. Net Income": "0", "Other Expenses": "69", "Other Liabilities": "13,844", "Other Net Income": "215", "Other Revenues": "452", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "13,576", "Liabilities": "13,844", "Expenses": "617", "Revenues": "452", "Stockholders Equity": "-268", "Net Income": "50", "Comprehensive Net Income": "50", "BaseVar": "14,352", "ECR before LimitedLiability": "-0.61%", "Economic Capital Ratio": "8.5%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "2,379", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "5.8", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "598", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "910", "Other Assets": "91,810", "Other Compr. Net Income": "0", "Other Expenses": "69", "Other Liabilities": "87,764", "Other Net Income": "2,929", "Other Revenues": "590", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "94,189", "Liabilities": "87,764", "Expenses": "1,583", "Revenues": "590", "Stockholders Equity": "6,425", "Net Income": "1,936", "Comprehensive Net Income": "1,936", "BaseVar": "93,527", "ECR before LimitedLiability": "5.7%", "Economic Capital Ratio": "14%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "2,037", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "28", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "1,635", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "2,240", "Other Assets": "189,492", "Other Compr. Net Income": "0", "Other Expenses": "-594", "Other Liabilities": "185,471", "Other Net Income": "1,263", "Other Revenues": "2,773", "Professional Fees": "0", "Securities": "329", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "191,858", "Liabilities": "185,471", "Expenses": "3,310", "Revenues": "2,773", "Stockholders Equity": "6,387", "Net Income": "726", "Comprehensive Net Income": "726", "BaseVar": "192,337", "ECR before LimitedLiability": "2.1%", "Economic Capital Ratio": "10%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "107", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "3,458", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "5,325", "Other Assets": "371,821", "Other Compr. Net Income": "0", "Other Expenses": "-99", "Other Liabilities": "341,436", "Other Net Income": "5,797", "Other Revenues": "7,421", "Professional Fees": "0", "Securities": "225", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "372,046", "Liabilities": "341,436", "Expenses": "8,791", "Revenues": "7,421", "Stockholders Equity": "30,610", "Net Income": "4,427", "Comprehensive Net Income": "4,427", "BaseVar": "367,746", "ECR before LimitedLiability": "5.5%", "Economic Capital Ratio": "13%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "502", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "4,238", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "6,048", "Other Assets": "506,981", "Other Compr. Net Income": "0", "Other Expenses": "-380", "Other Liabilities": "475,185", "Other Net Income": "3,893", "Other Revenues": "9,862", "Professional Fees": "0", "Securities": "568", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "507,549", "Liabilities": "475,185", "Expenses": "10,407", "Revenues": "9,862", "Stockholders Equity": "32,364", "Net Income": "3,348", "Comprehensive Net Income": "3,348", "BaseVar": "503,448", "ECR before LimitedLiability": "4.0%", "Economic Capital Ratio": "12%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "4,307", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "6,944", "Other Assets": "549,252", "Other Compr. Net Income": "0", "Other Expenses": "-2,378", "Other Liabilities": "519,269", "Other Net Income": "-5,303", "Other Revenues": "9,841", "Professional Fees": "0", "Securities": "85", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "549,337", "Liabilities": "519,269", "Expenses": "8,873", "Revenues": "9,841", "Stockholders Equity": "30,069", "Net Income": "-4,335", "Comprehensive Net Income": "-4,335", "BaseVar": "546,311", "ECR before LimitedLiability": "2.0%", "Economic Capital Ratio": "10%" } } }, "top_rated": false, "trend": 3.0, "value": 0.10390212791537429, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001695963.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001695963.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001695963.svg" }, { "company_id": "0000310522", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000310522.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000310522.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000310522.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000310522_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000310522_main_keyfigs.svg", "name": "Federal National Mortgage Association Fannie MAE", "rank": 69, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000310522.svg", "report_text": "The relative strengths and weaknesses of Federal National Mortgage Association Fannie MAE are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Federal National Mortgage Association Fannie MAE compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 9.7% points.The greatest weakness of Federal National Mortgage Association Fannie MAE is the variable Other Liabilities, reducing the Economic Capital Ratio by 48% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.7%, being 5.3% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000310522_2024_Federal_National_Mortgage_Association_Fannie_MAE.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.23", "Assets": "-0.609", "Liabilities": "-6.49", "Stockholders Equity": "-6.54", "Other Assets": "-11.7", "Notes Receivable": "-1.85", "Loans": "6.93", "Deposits": "5.73", "Other Liabilities": "-54.7", "Debt": "0.703", "Expenses": "1.10", "ECR before LimitedLiability": "-6.83", "Selling and Marketing Expense": "0.456", "General and Administrative Expense": "0.461", "Labor and Related Expense": "0.445", "Other Expenses": "-1.22", "Operating Expenses": "0.642", "Other Revenues": "-4.53", "Revenues": "-4.53", "Economic Capital Ratio": "-8.10", "Other Net Income": "-0.822" }, "2017": { "Notes Receivable": "-1.79", "Assets": "-1.55", "Liabilities": "-6.09", "Stockholders Equity": "-6.97", "Securities": "-0.204", "Cash and Cash Equivalents": "-1.31", "Other Assets": "-11.7", "Loans": "6.23", "Other Liabilities": "-53.8", "Debt": "0.264", "Deposits": "5.58", "Expenses": "0.402", "ECR before LimitedLiability": "-7.36", "Selling and Marketing Expense": "0.0323", "Other Expenses": "-0.412", "Operating Expenses": "0.142", "Labor and Related Expense": "0.0344", "Other Revenues": "-3.59", "Revenues": "-3.59", "Economic Capital Ratio": "-8.06", "Other Net Income": "-0.667" }, "2018": { "Other Assets": "-11.0", "Assets": "-1.71", "Liabilities": "-6.12", "Stockholders Equity": "-7.09", "Notes Receivable": "-1.54", "Cash and Cash Equivalents": "-1.000", "Loans": "5.78", "Deposits": "6.14", "Other Liabilities": "-55.7", "Debt": "0.673", "Expenses": "0.855", "ECR before LimitedLiability": "-7.57", "Labor and Related Expense": "0.543", "Other Expenses": "0.548", "Selling and Marketing Expense": "0.543", "Operating Expenses": "0.563", "General and Administrative Expense": "0.275", "Other Revenues": "-2.92", "Revenues": "-2.92", "Economic Capital Ratio": "-7.84", "Other Net Income": "-1.37" }, "2019": { "Other Assets": "-10.8", "Assets": "-1.35", "Liabilities": "-5.71", "Stockholders Equity": "-6.46", "Cash and Cash Equivalents": "-1.01", "Notes Receivable": "-2.80", "Loans": "6.43", "Deposits": "5.97", "Debt": "0.904", "Other Liabilities": "-55.6", "Expenses": "0.830", "Revenues": "-2.94", "Comprehensive Net Income": "-0.464", "Other Expenses": "0.602", "Operating Expenses": "0.602", "Selling and Marketing Expense": "0.603", "Labor and Related Expense": "0.602", "Other Revenues": "-2.94", "ECR before LimitedLiability": "-7.33", "Other Net Income": "-1.24", "Economic Capital Ratio": "-7.52" }, "2020": { "Notes Receivable": "-5.99", "Assets": "-1.14", "Liabilities": "-6.53", "Stockholders Equity": "-6.98", "Other Assets": "-11.7", "Loans": "8.21", "Cash and Cash Equivalents": "-1.34", "Securities": "0.615", "Other Liabilities": "-50.6", "Deposits": "5.64", "Debt": "0.799", "Expenses": "0.984", "Revenues": "-3.73", "Net Income": "-0.672", "Operating Expenses": "0.619", "Labor and Related Expense": "0.610", "Other Revenues": "-3.73", "ECR before LimitedLiability": "-8.43", "Comprehensive Net Income": "-0.643", "Other Net Income": "-1.61", "Economic Capital Ratio": "-8.76" }, "2021": { "Other Liabilities": "-54.4", "Liabilities": "-6.40", "Securities": "0.820", "Stockholders Equity": "-6.51", "Deposits": "6.24", "Debt": "1.21", "Expenses": "1.38", "Net Income": "-1.38", "Operating Expenses": "1.07", "Labor and Related Expense": "1.07", "General and Administrative Expense": "0.807", "Other Revenues": "-4.25", "Revenues": "-4.25", "Comprehensive Net Income": "-1.22", "ECR before LimitedLiability": "-8.77", "Loans": "9.18", "Other Assets": "-11.7", "Notes Receivable": "-6.79", "Cash and Cash Equivalents": "-1.84", "Other Net Income": "-1.68", "Economic Capital Ratio": "-9.20" }, "2022": { "Deposits": "5.83", "Liabilities": "-6.32", "Loans": "9.35", "Stockholders Equity": "-5.88", "Other Liabilities": "-51.2", "Debt": "1.21", "Labor and Related Expense": "0.991", "Expenses": "1.38", "Revenues": "-3.71", "Comprehensive Net Income": "0.649", "General and Administrative Expense": "0.809", "Selling and Marketing Expense": "0.861", "Operating Expenses": "0.997", "Other Revenues": "-3.71", "ECR before LimitedLiability": "-5.88", "Other Assets": "-31.0", "Cash and Cash Equivalents": "-0.765", "Notes Receivable": "9.43", "Other Compr. Net Income": "0.828", "Other Net Income": "-1.52", "Economic Capital Ratio": "-6.35" }, "2023": { "Assets": "1.28", "Liabilities": "-6.61", "Stockholders Equity": "-5.04", "Notes Receivable": "8.59", "Loans": "9.74", "Other Assets": "-31.3", "Cash and Cash Equivalents": "-1.57", "Other Liabilities": "-48.0", "Deposits": "5.64", "Debt": "1.48", "Expenses": "2.20", "Revenues": "-5.27", "Net Income": "1.28", "Labor and Related Expense": "1.28", "Operating Expenses": "1.40", "Selling and Marketing Expense": "1.28", "General and Administrative Expense": "1.28", "Other Revenues": "-5.27", "ECR before LimitedLiability": "-3.38", "Comprehensive Net Income": "1.28", "Economic Capital Ratio": "-5.28" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000310522_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "62,177,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "3,079,753,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "97,113,000", "Other Compr. Net Income": "-648,000", "Other Expenses": "6,020,000", "Other Liabilities": "3,281,897,000", "Other Net Income": "18,333,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "48,925,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,287,968,000", "Liabilities": "3,281,897,000", "Expenses": "6,020,000", "Revenues": "0", "Stockholders Equity": "6,071,000", "Net Income": "12,313,000", "Comprehensive Net Income": "11,665,000", "BaseVar": "3,297,433,000", "ECR before LimitedLiability": "0.45%", "Economic Capital Ratio": "8.9%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "60,260,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "3,178,525,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "67,222,000", "Other Compr. Net Income": "206,000", "Other Expenses": "15,984,000", "Other Liabilities": "3,349,215,000", "Other Net Income": "18,447,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "39,522,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,345,529,000", "Liabilities": "3,349,215,000", "Expenses": "15,984,000", "Revenues": "0", "Stockholders Equity": "-3,686,000", "Net Income": "2,463,000", "Comprehensive Net Income": "2,669,000", "BaseVar": "3,364,690,500", "ECR before LimitedLiability": "0.025%", "Economic Capital Ratio": "8.5%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "49,423,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "3,249,395,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "74,204,000", "Other Compr. Net Income": "-348,000", "Other Expenses": "4,140,000", "Other Liabilities": "3,412,078,000", "Other Net Income": "20,099,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "45,296,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,418,318,000", "Liabilities": "3,412,078,000", "Expenses": "4,140,000", "Revenues": "0", "Stockholders Equity": "6,240,000", "Net Income": "15,959,000", "Comprehensive Net Income": "15,611,000", "BaseVar": "3,427,491,500", "ECR before LimitedLiability": "0.55%", "Economic Capital Ratio": "9.0%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "61,407,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "3,334,162,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "57,223,000", "Other Compr. Net Income": "-191,000", "Other Expenses": "3,417,000", "Other Liabilities": "3,488,711,000", "Other Net Income": "17,577,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "50,527,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,503,319,000", "Liabilities": "3,488,711,000", "Expenses": "3,417,000", "Revenues": "0", "Stockholders Equity": "14,608,000", "Net Income": "14,160,000", "Comprehensive Net Income": "13,969,000", "BaseVar": "3,506,607,500", "ECR before LimitedLiability": "0.61%", "Economic Capital Ratio": "9.1%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "115,623,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "9,719,000", "Labor and Related Expense": "0", "Loans": "3,653,892,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "77,995,000", "Other Compr. Net Income": "-15,000", "Other Expenses": "3,074,000", "Other Liabilities": "3,950,771,000", "Other Net Income": "14,879,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "138,239,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,985,749,000", "Liabilities": "3,960,490,000", "Expenses": "3,074,000", "Revenues": "0", "Stockholders Equity": "25,259,000", "Net Income": "11,805,000", "Comprehensive Net Income": "11,790,000", "BaseVar": "3,982,103,500", "ECR before LimitedLiability": "0.61%", "Economic Capital Ratio": "9.1%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "108,631,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "9,186,000", "Labor and Related Expense": "0", "Loans": "3,968,242,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "42,507,000", "Other Compr. Net Income": "-78,000", "Other Expenses": "5,773,000", "Other Liabilities": "4,172,623,000", "Other Net Income": "27,949,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "109,786,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,229,166,000", "Liabilities": "4,181,809,000", "Expenses": "5,773,000", "Revenues": "0", "Stockholders Equity": "47,357,000", "Net Income": "22,176,000", "Comprehensive Net Income": "22,098,000", "BaseVar": "4,222,387,500", "ECR before LimitedLiability": "1.1%", "Economic Capital Ratio": "9.5%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "87,841,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "9,917,000", "Labor and Related Expense": "0", "Loans": "4,114,436,000", "Notes Receivable": "4,112,403,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "-4,074,782,000", "Other Compr. Net Income": "-3,000", "Other Expenses": "3,310,000", "Other Liabilities": "4,235,094,000", "Other Net Income": "16,233,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "65,390,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,305,288,000", "Liabilities": "4,245,011,000", "Expenses": "3,310,000", "Revenues": "0", "Stockholders Equity": "60,277,000", "Net Income": "12,923,000", "Comprehensive Net Income": "12,920,000", "BaseVar": "4,284,922,500", "ECR before LimitedLiability": "1.0%", "Economic Capital Ratio": "9.5%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "68,706,000", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "10,931,000", "Labor and Related Expense": "0", "Loans": "4,135,631,000", "Notes Receivable": "4,133,482,000", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "-4,096,198,000", "Other Compr. Net Income": "-3,000", "Other Expenses": "4,548,000", "Other Liabilities": "4,236,824,000", "Other Net Income": "21,956,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "83,816,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "4,325,437,000", "Liabilities": "4,247,755,000", "Expenses": "4,548,000", "Revenues": "0", "Stockholders Equity": "77,682,000", "Net Income": "17,408,000", "Comprehensive Net Income": "17,405,000", "BaseVar": "4,299,849,500", "ECR before LimitedLiability": "1.3%", "Economic Capital Ratio": "9.7%" } } }, "top_rated": false, "trend": 23.0, "value": 0.09742663439469647, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000310522.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000310522.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000310522.svg" }, { "company_id": "0000873860", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000873860.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000873860.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000873860.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000873860_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000873860_main_keyfigs.svg", "name": "Onity Group INC", "rank": 70, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000873860.svg", "report_text": "The relative strengths and weaknesses of Onity Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Onity Group INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 9.4% points.The greatest weakness of Onity Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 44% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.6%, being 5.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000873860_2024_Onity_Group_INC.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-2.29", "Assets": "-6.23", "Liabilities": "1.75", "Stockholders Equity": "-4.13", "Other Assets": "9.81", "Notes Receivable": "-2.06", "Loans": "-17.1", "Deposits": "7.61", "Other Liabilities": "-44.4", "Debt": "1.89", "Professional Fees": "-3.34", "Expenses": "-6.89", "Revenues": "3.72", "Net Income": "-2.26", "Labor and Related Expense": "-3.70", "Other Expenses": "-4.95", "Other Revenues": "3.72", "ECR before LimitedLiability": "-5.58", "Comprehensive Net Income": "-2.15", "Other Net Income": "-5.54", "Economic Capital Ratio": "-6.85" }, "2017": { "Notes Receivable": "-1.87", "Assets": "-5.68", "Liabilities": "1.63", "Stockholders Equity": "-4.93", "Cash and Cash Equivalents": "-2.21", "Other Assets": "9.97", "Loans": "-17.4", "Other Liabilities": "-46.2", "Debt": "1.84", "Deposits": "7.59", "Expenses": "-5.22", "Revenues": "2.97", "Net Income": "-1.49", "Other Expenses": "-2.42", "Operating Expenses": "1.61", "Labor and Related Expense": "-3.10", "Professional Fees": "-2.39", "Other Revenues": "2.97", "ECR before LimitedLiability": "-5.65", "Other Net Income": "-4.69", "Economic Capital Ratio": "-6.35" }, "2020": { "Notes Receivable": "-6.15", "Assets": "-4.09", "Liabilities": "-2.24", "Stockholders Equity": "-6.12", "Other Assets": "9.76", "Loans": "-13.5", "Cash and Cash Equivalents": "-2.40", "Other Liabilities": "-46.6", "Deposits": "6.79", "Debt": "1.67", "Expenses": "-1.46", "Revenues": "1.72", "Net Income": "-1.34", "Operating Expenses": "0.918", "Labor and Related Expense": "-1.32", "Other Expenses": "-1.64", "Other Revenues": "1.72", "ECR before LimitedLiability": "-7.49", "Comprehensive Net Income": "-1.33", "Other Net Income": "-3.92", "Economic Capital Ratio": "-7.83" }, "2021": { "Assets": "-3.44", "Liabilities": "-2.56", "Stockholders Equity": "-5.74", "Loans": "-12.1", "Other Assets": "10.3", "Notes Receivable": "-6.88", "Cash and Cash Equivalents": "-2.72", "Other Liabilities": "-51.1", "Deposits": "7.45", "Debt": "2.19", "Other Revenues": "2.15", "Revenues": "2.15", "Net Income": "-1.78", "ECR before LimitedLiability": "-7.71", "Comprehensive Net Income": "-1.57", "Other Expenses": "-1.06", "Operating Expenses": "0.834", "Other Net Income": "-4.54", "Labor and Related Expense": "-1.04", "General and Administrative Expense": "0.838", "Economic Capital Ratio": "-8.15" }, "2022": { "Loans": "-10.9", "Assets": "-2.63", "Liabilities": "-2.92", "Stockholders Equity": "-5.22", "Other Assets": "10.3", "Cash and Cash Equivalents": "-1.47", "Notes Receivable": "-9.29", "Deposits": "6.96", "Other Liabilities": "-48.4", "Debt": "2.15", "Labor and Related Expense": "-0.786", "Expenses": "1.60", "ECR before LimitedLiability": "-4.86", "General and Administrative Expense": "0.835", "Selling and Marketing Expense": "0.889", "Operating Expenses": "1.26", "Other Revenues": "2.03", "Revenues": "2.03", "Economic Capital Ratio": "-5.34", "Other Net Income": "-4.44", "Other Compr. Net Income": "0.854" }, "2023": { "Assets": "-2.11", "Liabilities": "-3.19", "Stockholders Equity": "-4.97", "Notes Receivable": "-15.1", "Loans": "-2.66", "Other Assets": "9.36", "Cash and Cash Equivalents": "-2.26", "Other Liabilities": "-44.5", "Deposits": "5.94", "Debt": "1.38", "Expenses": "1.27", "Revenues": "1.11", "Net Income": "0.633", "Other Expenses": "-2.47", "Operating Expenses": "1.22", "Selling and Marketing Expense": "1.10", "General and Administrative Expense": "1.11", "Other Revenues": "1.11", "ECR before LimitedLiability": "-3.55", "Other Net Income": "-4.60", "Economic Capital Ratio": "-5.46" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000873860_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "381,340", "Loans": "0", "Notes Receivable": "0", "Occupancy": "80,191", "Operating Expenses": "110,333", "Other Assets": "7,655,663", "Other Compr. Net Income": "-74", "Other Expenses": "338,818", "Other Liabilities": "7,000,380", "Other Net Income": "-370,270", "Other Revenues": "1,387,163", "Professional Fees": "305,586", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "7,655,663", "Liabilities": "7,000,380", "Expenses": "1,216,268", "Revenues": "1,387,163", "Stockholders Equity": "655,283", "Net Income": "-199,375", "Comprehensive Net Income": "-199,449", "BaseVar": "8,814,909", "ECR before LimitedLiability": "1.7%", "Economic Capital Ratio": "10%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "358,994", "Loans": "0", "Notes Receivable": "0", "Occupancy": "66,019", "Operating Expenses": "100,490", "Other Assets": "8,403,164", "Other Compr. Net Income": "692", "Other Expenses": "228,175", "Other Liabilities": "7,856,290", "Other Net Income": "-339,904", "Other Revenues": "1,194,576", "Professional Fees": "229,451", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "8,403,164", "Liabilities": "7,856,290", "Expenses": "983,129", "Revenues": "1,194,576", "Stockholders Equity": "546,874", "Net Income": "-128,457", "Comprehensive Net Income": "-127,765", "BaseVar": "9,388,878", "ECR before LimitedLiability": "1.8%", "Economic Capital Ratio": "10%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "72,463", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "265,295", "Loans": "0", "Notes Receivable": "0", "Occupancy": "47,503", "Operating Expenses": "59,592", "Other Assets": "10,578,664", "Other Compr. Net Income": "-1,501", "Other Expenses": "282,857", "Other Liabilities": "10,235,755", "Other Net Income": "-238,971", "Other Revenues": "960,912", "Professional Fees": "106,872", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "10,651,127", "Liabilities": "10,235,755", "Expenses": "762,119", "Revenues": "960,912", "Stockholders Equity": "415,372", "Net Income": "-40,178", "Comprehensive Net Income": "-41,679", "BaseVar": "11,425,192", "ECR before LimitedLiability": "1.6%", "Economic Capital Ratio": "10%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "70,654", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "297,947", "Loans": "0", "Notes Receivable": "0", "Occupancy": "36,536", "Operating Expenses": "56,021", "Other Assets": "12,076,469", "Other Compr. Net Income": "6,728", "Other Expenses": "224,384", "Other Liabilities": "11,670,429", "Other Net Income": "-335,243", "Other Revenues": "1,050,099", "Professional Fees": "81,890", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "12,147,123", "Liabilities": "11,670,429", "Expenses": "696,778", "Revenues": "1,050,099", "Stockholders Equity": "476,694", "Net Income": "18,078", "Comprehensive Net Income": "24,806", "BaseVar": "12,953,200", "ECR before LimitedLiability": "2.2%", "Economic Capital Ratio": "11%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "66,200", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "289,400", "Loans": "0", "Notes Receivable": "0", "Occupancy": "41,800", "Operating Expenses": "57,900", "Other Assets": "12,333,000", "Other Compr. Net Income": "-100", "Other Expenses": "103,600", "Other Liabilities": "11,942,500", "Other Net Income": "-386,200", "Other Revenues": "953,900", "Professional Fees": "49,300", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "12,399,200", "Liabilities": "11,942,500", "Expenses": "542,000", "Revenues": "953,900", "Stockholders Equity": "456,700", "Net Income": "25,700", "Comprehensive Net Income": "25,600", "BaseVar": "13,111,950", "ECR before LimitedLiability": "2.1%", "Economic Capital Ratio": "10%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "53,500", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "229,200", "Loans": "0", "Notes Receivable": "0", "Occupancy": "31,800", "Operating Expenses": "52,500", "Other Assets": "12,460,200", "Other Compr. Net Income": "1,300", "Other Expenses": "314,100", "Other Liabilities": "12,111,900", "Other Net Income": "-480,500", "Other Revenues": "1,066,700", "Professional Fees": "22,300", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "12,513,700", "Liabilities": "12,111,900", "Expenses": "649,900", "Revenues": "1,066,700", "Stockholders Equity": "401,800", "Net Income": "-63,700", "Comprehensive Net Income": "-62,400", "BaseVar": "13,412,000", "ECR before LimitedLiability": "1.1%", "Economic Capital Ratio": "9.6%" } } }, "top_rated": false, "trend": 19.0, "value": 0.09563927644815631, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000873860.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000873860.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000873860.svg" }, { "company_id": "0001026214", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001026214.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001026214.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001026214.svg", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001026214_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001026214_main_keyfigs.svg", "name": "Federal HOME LOAN Mortgage CORP", "rank": 71, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001026214.svg", "report_text": "The relative strengths and weaknesses of Federal HOME LOAN Mortgage CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Federal HOME LOAN Mortgage CORP compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 9.5% points.The greatest weakness of Federal HOME LOAN Mortgage CORP is the variable Debt, reducing the Economic Capital Ratio by 72% points.

The company's Economic Capital Ratio, given in the ranking table, is 9.5%, being 5.5% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001026214_2024_Federal_HOME_LOAN_Mortgage_CORP.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "-1.59", "Assets": "-0.602", "Liabilities": "-6.46", "Stockholders Equity": "-6.51", "Securities": "0.634", "Other Assets": "-11.7", "Notes Receivable": "-1.85", "Loans": "5.87", "Deposits": "5.76", "Other Liabilities": "2.03", "Debt": "-74.4", "Expenses": "1.12", "ECR before LimitedLiability": "-6.80", "Selling and Marketing Expense": "0.485", "General and Administrative Expense": "0.489", "Other Expenses": "-1.23", "Operating Expenses": "0.668", "Other Revenues": "-4.53", "Revenues": "-4.53", "Economic Capital Ratio": "-8.07", "Other Net Income": "-0.804" }, "2017": { "Notes Receivable": "-1.77", "Assets": "-1.59", "Liabilities": "-5.97", "Stockholders Equity": "-6.88", "Securities": "0.372", "Cash and Cash Equivalents": "-1.89", "Other Assets": "-11.4", "Loans": "5.25", "Other Liabilities": "1.96", "Debt": "-76.5", "Deposits": "5.77", "Expenses": "0.592", "ECR before LimitedLiability": "-7.12", "Selling and Marketing Expense": "0.265", "Other Expenses": "-0.475", "Operating Expenses": "0.358", "Labor and Related Expense": "0.267", "Other Revenues": "-3.56", "Revenues": "-3.56", "Economic Capital Ratio": "-7.82", "Other Net Income": "-0.401" }, "2018": { "Other Assets": "-10.7", "Assets": "-1.70", "Liabilities": "-6.12", "Stockholders Equity": "-7.09", "Notes Receivable": "-1.54", "Securities": "0.557", "Cash and Cash Equivalents": "-1.65", "Loans": "4.94", "Deposits": "6.12", "Other Liabilities": "2.00", "Debt": "-78.3", "Expenses": "0.839", "ECR before LimitedLiability": "-7.59", "Labor and Related Expense": "0.522", "Other Expenses": "0.528", "Selling and Marketing Expense": "0.522", "Operating Expenses": "0.542", "Other Revenues": "-2.92", "Revenues": "-2.92", "Economic Capital Ratio": "-7.86", "Other Net Income": "-1.40" }, "2019": { "Other Assets": "-10.4", "Assets": "-1.34", "Liabilities": "-5.74", "Stockholders Equity": "-6.47", "Cash and Cash Equivalents": "-1.80", "Notes Receivable": "-2.80", "Loans": "5.30", "Securities": "0.636", "Deposits": "5.93", "Debt": "-72.8", "Other Liabilities": "2.02", "Expenses": "0.792", "ECR before LimitedLiability": "-7.38", "Other Expenses": "0.557", "Operating Expenses": "0.556", "Selling and Marketing Expense": "0.558", "Labor and Related Expense": "0.556", "Other Revenues": "-2.94", "Revenues": "-2.94", "Economic Capital Ratio": "-7.57", "Other Net Income": "-1.32" }, "2020": { "Notes Receivable": "-6.00", "Assets": "-1.14", "Liabilities": "-6.54", "Stockholders Equity": "-6.99", "Other Assets": "-11.1", "Loans": "7.94", "Cash and Cash Equivalents": "-2.59", "Securities": "0.677", "Other Liabilities": "2.45", "Deposits": "5.62", "Debt": "-75.7", "Expenses": "0.974", "Revenues": "-3.73", "Net Income": "-0.689", "Operating Expenses": "0.606", "Labor and Related Expense": "0.597", "Other Revenues": "-3.73", "ECR before LimitedLiability": "-8.44", "Comprehensive Net Income": "-0.652", "Other Net Income": "-1.63", "Economic Capital Ratio": "-8.78" }, "2021": { "Other Liabilities": "2.29", "Liabilities": "-6.51", "Securities": "0.849", "Stockholders Equity": "-6.64", "Deposits": "6.06", "Debt": "-75.8", "Expenses": "1.19", "Net Income": "-1.50", "Operating Expenses": "0.841", "Labor and Related Expense": "0.840", "General and Administrative Expense": "0.813", "Other Revenues": "-4.29", "Revenues": "-4.29", "Comprehensive Net Income": "-1.36", "ECR before LimitedLiability": "-9.00", "Loans": "8.95", "Other Assets": "-11.5", "Notes Receivable": "-6.86", "Cash and Cash Equivalents": "-2.92", "Other Net Income": "-1.84", "Economic Capital Ratio": "-9.43" }, "2022": { "Deposits": "5.73", "Liabilities": "-6.40", "Stockholders Equity": "-6.01", "Other Liabilities": "2.55", "Debt": "-72.9", "Labor and Related Expense": "0.854", "Expenses": "1.27", "ECR before LimitedLiability": "-6.02", "General and Administrative Expense": "0.814", "Selling and Marketing Expense": "0.848", "Operating Expenses": "0.861", "Other Revenues": "-3.73", "Revenues": "-3.73", "Loans": "9.18", "Other Assets": "-11.0", "Cash and Cash Equivalents": "-1.68", "Securities": "0.857", "Notes Receivable": "-9.23", "Economic Capital Ratio": "-6.49", "Other Net Income": "-1.54", "Other Compr. Net Income": "0.822" }, "2023": { "Securities": "1.05", "Assets": "1.04", "Liabilities": "-6.75", "Stockholders Equity": "-5.21", "Notes Receivable": "-14.2", "Loans": "9.50", "Other Assets": "-11.5", "Cash and Cash Equivalents": "-2.26", "Other Liabilities": "3.00", "Deposits": "5.47", "Debt": "-72.5", "Expenses": "2.03", "Revenues": "-5.32", "Net Income": "1.04", "Labor and Related Expense": "1.04", "Operating Expenses": "1.18", "Selling and Marketing Expense": "1.04", "General and Administrative Expense": "1.05", "Other Revenues": "-5.32", "ECR before LimitedLiability": "-3.62", "Economic Capital Ratio": "-5.52" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001026214_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "22,220,000", "Debt": "2,002,004,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "6,015,000", "Labor and Related Expense": "0", "Loans": "1,784,915,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "53,146,000", "Other Compr. Net Income": "-697,000", "Other Expenses": "3,824,000", "Other Liabilities": "10,282,000", "Other Net Income": "11,639,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "163,095,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,023,376,000", "Liabilities": "2,018,301,000", "Expenses": "3,824,000", "Revenues": "0", "Stockholders Equity": "5,075,000", "Net Income": "7,815,000", "Comprehensive Net Income": "7,118,000", "BaseVar": "2,028,918,500", "ECR before LimitedLiability": "0.48%", "Economic Capital Ratio": "8.9%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "9,811,000", "Debt": "2,034,630,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "6,221,000", "Labor and Related Expense": "0", "Loans": "1,836,454,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "63,290,000", "Other Compr. Net Income": "-67,000", "Other Expenses": "11,209,000", "Other Liabilities": "9,237,000", "Other Net Income": "16,834,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "140,221,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,049,776,000", "Liabilities": "2,050,088,000", "Expenses": "11,209,000", "Revenues": "0", "Stockholders Equity": "-312,000", "Net Income": "5,625,000", "Comprehensive Net Income": "5,558,000", "BaseVar": "2,063,987,000", "ECR before LimitedLiability": "0.26%", "Economic Capital Ratio": "8.7%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "2,044,950,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "6,652,000", "Labor and Related Expense": "0", "Loans": "1,885,356,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "73,822,000", "Other Compr. Net Income": "-613,000", "Other Expenses": "2,239,000", "Other Liabilities": "6,981,000", "Other Net Income": "11,474,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "103,882,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,063,060,000", "Liabilities": "2,058,583,000", "Expenses": "2,239,000", "Revenues": "0", "Stockholders Equity": "4,477,000", "Net Income": "9,235,000", "Comprehensive Net Income": "8,622,000", "BaseVar": "2,067,984,500", "ECR before LimitedLiability": "0.53%", "Economic Capital Ratio": "9.0%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "2,179,528,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "6,559,000", "Labor and Related Expense": "0", "Loans": "1,984,912,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "76,886,000", "Other Compr. Net Income": "573,000", "Other Expenses": "1,835,000", "Other Liabilities": "8,414,000", "Other Net Income": "9,049,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "141,825,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,203,623,000", "Liabilities": "2,194,501,000", "Expenses": "1,835,000", "Revenues": "0", "Stockholders Equity": "9,122,000", "Net Income": "7,214,000", "Comprehensive Net Income": "7,787,000", "BaseVar": "2,204,790,500", "ECR before LimitedLiability": "0.56%", "Economic Capital Ratio": "9.0%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "2,592,546,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "6,210,000", "Labor and Related Expense": "0", "Loans": "2,350,236,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "112,351,000", "Other Compr. Net Income": "205,000", "Other Expenses": "1,903,000", "Other Liabilities": "12,246,000", "Other Net Income": "9,229,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "164,828,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "2,627,415,000", "Liabilities": "2,611,002,000", "Expenses": "1,903,000", "Revenues": "0", "Stockholders Equity": "16,413,000", "Net Income": "7,326,000", "Comprehensive Net Income": "7,531,000", "BaseVar": "2,624,877,000", "ECR before LimitedLiability": "0.60%", "Economic Capital Ratio": "9.1%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "2,980,185,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "6,268,000", "Labor and Related Expense": "0", "Loans": "2,828,331,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "73,037,000", "Other Compr. Net Income": "-489,000", "Other Expenses": "3,090,000", "Other Liabilities": "11,100,000", "Other Net Income": "15,199,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "124,218,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,025,586,000", "Liabilities": "2,997,553,000", "Expenses": "3,090,000", "Revenues": "0", "Stockholders Equity": "28,033,000", "Net Income": "12,109,000", "Comprehensive Net Income": "11,620,000", "BaseVar": "3,020,958,500", "ECR before LimitedLiability": "0.85%", "Economic Capital Ratio": "9.3%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "3,145,832,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "7,309,000", "Labor and Related Expense": "0", "Loans": "3,022,318,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "60,019,000", "Other Compr. Net Income": "-342,000", "Other Expenses": "2,277,000", "Other Liabilities": "18,174,000", "Other Net Income": "11,604,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "125,996,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,208,333,000", "Liabilities": "3,171,315,000", "Expenses": "2,277,000", "Revenues": "0", "Stockholders Equity": "37,018,000", "Net Income": "9,327,000", "Comprehensive Net Income": "8,985,000", "BaseVar": "3,196,935,500", "ECR before LimitedLiability": "0.86%", "Economic Capital Ratio": "9.3%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "3,208,346,000", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "8,812,000", "Labor and Related Expense": "0", "Loans": "3,083,665,000", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "58,888,000", "Other Compr. Net Income": "166,000", "Other Expenses": "2,661,000", "Other Liabilities": "16,096,000", "Other Net Income": "13,199,000", "Other Revenues": "0", "Professional Fees": "0", "Securities": "138,423,000", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "3,280,976,000", "Liabilities": "3,233,254,000", "Expenses": "2,661,000", "Revenues": "0", "Stockholders Equity": "47,722,000", "Net Income": "10,538,000", "Comprehensive Net Income": "10,704,000", "BaseVar": "3,265,128,000", "ECR before LimitedLiability": "1.1%", "Economic Capital Ratio": "9.5%" } } }, "top_rated": false, "trend": 22.0, "value": 0.09502906191185001, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001026214.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001026214.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001026214.svg" }, { "company_id": "0001828937", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001828937.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001828937.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001828937_main_keyfigs.svg", "name": "Finance of America Companies Inc", "rank": 72, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001828937.svg", "report_text": "The relative strengths and weaknesses of Finance of America Companies Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Finance of America Companies Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 8.6% points.The greatest weakness of Finance of America Companies Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 48% points.

The company's Economic Capital Ratio, given in the ranking table, is 8.7%, being 6.4% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001828937_2024_Finance_of_America_Companies_Inc.pdf", "shrinked_graph_json": { "2022": { "Loans": "-11.6", "Assets": "-2.52", "Liabilities": "-4.22", "Stockholders Equity": "-6.23", "Other Assets": "8.43", "Cash and Cash Equivalents": "-1.63", "Securities": "-0.456", "Notes Receivable": "-9.95", "Deposits": "5.41", "Other Liabilities": "-48.8", "Other Revenues": "-1.59", "Revenues": "-1.59", "Net Income": "-3.67", "ECR before LimitedLiability": "-6.81", "Labor and Related Expense": "-1.66", "Comprehensive Net Income": "-0.532", "General and Administrative Expense": "-1.30", "Other Net Income": "-1.87", "Other Expenses": "0.527", "Operating Expenses": "-3.50", "Economic Capital Ratio": "-7.28" }, "2023": { "Other Liabilities": "-47.7", "Liabilities": "-6.56", "Stockholders Equity": "-5.63", "Deposits": "4.92", "Debt": "0.568", "Expenses": "1.09", "ECR before LimitedLiability": "-4.45", "Labor and Related Expense": "0.213", "Other Expenses": "0.221", "Operating Expenses": "0.296", "Selling and Marketing Expense": "0.228", "General and Administrative Expense": "0.232", "Other Revenues": "-4.87", "Revenues": "-4.87", "Securities": "-0.310", "Notes Receivable": "-14.7", "Loans": "-2.61", "Other Assets": "8.56", "Cash and Cash Equivalents": "-2.31", "Economic Capital Ratio": "-6.35", "Other Net Income": "-1.46" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001828937_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Cash and Cash Equivalents": "97,361", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "456,901", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "663,325", "Loans": "0", "Notes Receivable": "0", "Occupancy": "28,389", "Operating Expenses": "1,148,615", "Other Assets": "20,775,294", "Other Compr. Net Income": "524,792", "Other Expenses": "-972,630", "Other Liabilities": "20,467,814", "Other Net Income": "35,831", "Other Revenues": "573,241", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "20,872,655", "Liabilities": "20,467,814", "Expenses": "1,324,600", "Revenues": "573,241", "Stockholders Equity": "404,841", "Net Income": "-715,528", "Comprehensive Net Income": "-190,736", "BaseVar": "21,899,466", "ECR before LimitedLiability": "0.057%", "Economic Capital Ratio": "8.5%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "46,482", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "42,369", "General and Administrative Expense": "82,204", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "178,319", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "392,007", "Other Assets": "27,061,108", "Other Compr. Net Income": "138,079", "Other Expenses": "-326,085", "Other Liabilities": "26,835,183", "Other Net Income": "-51,698", "Other Revenues": "234,250", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "31,896" }, "output_variables": { "Assets": "27,107,590", "Liabilities": "26,835,183", "Expenses": "400,710", "Revenues": "234,250", "Stockholders Equity": "272,407", "Net Income": "-218,158", "Comprehensive Net Income": "-80,079", "BaseVar": "27,383,755", "ECR before LimitedLiability": "0.21%", "Economic Capital Ratio": "8.7%" } } }, "top_rated": false, "trend": 23.0, "value": 0.0867011850182897, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001828937.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001828937.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001828937.svg" }, { "company_id": "0001434621", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001434621.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001434621.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0001434621.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001434621_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001434621_main_keyfigs.svg", "name": "Lendingtree Inc", "rank": 73, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001434621.svg", "report_text": "The relative strengths and weaknesses of Lendingtree Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Lendingtree Inc compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 7.3% points.The greatest weakness of Lendingtree Inc is the variable Expenses, reducing the Economic Capital Ratio by 63% points.

The company's Economic Capital Ratio, given in the ranking table, is 7.3%, being 7.7% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001434621_2024_Lendingtree_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "5.78", "Assets": "-12.0", "Stockholders Equity": "33.5", "ECR before LimitedLiability": "53.2", "Loans": "-13.1", "Liabilities": "63.5", "Deposits": "60.7", "Other Liabilities": "14.4", "Debt": "18.2", "Expenses": "-152", "Revenues": "68.9", "Net Income": "15.4", "Selling and Marketing Expense": "-122", "General and Administrative Expense": "-14.0", "Labor and Related Expense": "2.08", "Other Expenses": "-29.2", "Operating Expenses": "10.3", "Other Revenues": "68.9", "Comprehensive Net Income": "13.9", "Other Net Income": "-3.90", "Economic Capital Ratio": "51.9" }, "2017": { "Notes Receivable": "-2.32", "Assets": "-20.7", "Liabilities": "26.3", "Stockholders Equity": "7.64", "ECR before LimitedLiability": "15.2", "Cash and Cash Equivalents": "21.4", "Other Assets": "-5.58", "Loans": "-24.8", "Other Liabilities": "-16.5", "Debt": "7.30", "Deposits": "27.0", "Expenses": "-97.7", "Revenues": "31.0", "Net Income": "2.80", "Selling and Marketing Expense": "-76.7", "Other Expenses": "-14.6", "Operating Expenses": "4.27", "General and Administrative Expense": "-10.8", "Other Revenues": "31.0", "Comprehensive Net Income": "2.30", "Economic Capital Ratio": "14.5" }, "2018": { "Other Assets": "12.5", "Assets": "-17.9", "Liabilities": "30.1", "Stockholders Equity": "6.20", "ECR before LimitedLiability": "21.1", "Cash and Cash Equivalents": "2.25", "Loans": "-23.0", "Deposits": "31.8", "Other Liabilities": "-26.2", "Debt": "7.45", "Expenses": "-80.8", "Revenues": "37.7", "Net Income": "12.1", "Other Expenses": "-3.19", "Selling and Marketing Expense": "-67.5", "Operating Expenses": "2.88", "General and Administrative Expense": "-13.1", "Other Revenues": "37.7", "Comprehensive Net Income": "10.9", "Other Net Income": "-3.82", "Economic Capital Ratio": "20.8" }, "2019": { "Other Assets": "10.8", "Assets": "-25.3", "Liabilities": "30.3", "Stockholders Equity": "6.32", "ECR before LimitedLiability": "16.7", "Notes Receivable": "-4.42", "Loans": "-27.0", "Deposits": "30.0", "Debt": "10.8", "Other Liabilities": "-13.2", "General and Administrative Expense": "-13.7", "Expenses": "-132", "Revenues": "33.1", "Net Income": "2.88", "Other Expenses": "-23.2", "Selling and Marketing Expense": "-95.4", "Interest Expense": "-1.97", "Other Revenues": "33.1", "Comprehensive Net Income": "2.68", "Other Net Income": "-3.99", "Economic Capital Ratio": "16.5" }, "2020": { "Notes Receivable": "-7.60", "Assets": "-19.1", "Liabilities": "16.5", "ECR before LimitedLiability": "3.21", "Other Assets": "10.1", "Loans": "-19.7", "Other Liabilities": "-18.6", "Deposits": "18.0", "Debt": "5.55", "Expenses": "-77.9", "Net Income": "-2.78", "General and Administrative Expense": "-8.38", "Selling and Marketing Expense": "-55.0", "Operating Expenses": "1.76", "Other Expenses": "-9.77", "Interest Expense": "-2.05", "Other Revenues": "20.7", "Revenues": "20.7", "Comprehensive Net Income": "-2.74", "Other Net Income": "-2.66", "Economic Capital Ratio": "2.87" }, "2021": { "Assets": "-21.5", "Liabilities": "24.0", "Stockholders Equity": "2.48", "ECR before LimitedLiability": "10.9", "Loans": "-19.0", "Other Assets": "5.00", "Notes Receivable": "-10.3", "Cash and Cash Equivalents": "2.77", "Other Liabilities": "-22.7", "Deposits": "25.3", "Debt": "7.16", "Selling and Marketing Expense": "-68.7", "Expenses": "-94.1", "Revenues": "29.2", "Comprehensive Net Income": "2.33", "Other Expenses": "-13.4", "Interest Expense": "-3.19", "General and Administrative Expense": "-11.2", "Other Revenues": "29.2", "Other Net Income": "-4.41", "Economic Capital Ratio": "10.4" }, "2022": { "Loans": "-15.4", "Assets": "-20.3", "Liabilities": "6.75", "Stockholders Equity": "-0.968", "Other Assets": "1.85", "Cash and Cash Equivalents": "3.82", "Notes Receivable": "-12.7", "Deposits": "7.12", "ECR before LimitedLiability": "-7.91", "Other Liabilities": "-13.6", "Debt": "2.46", "Expenses": "-81.0", "Revenues": "7.43", "Net Income": "-9.66", "General and Administrative Expense": "-5.25", "Other Expenses": "-15.1", "Selling and Marketing Expense": "-47.3", "Operating Expenses": "0.962", "Other Revenues": "7.43", "Comprehensive Net Income": "-8.48", "Economic Capital Ratio": "-8.38" }, "2023": { "Assets": "-19.3", "Liabilities": "6.59", "Stockholders Equity": "-0.999", "Notes Receivable": "-21.3", "Loans": "-1.05", "Other Assets": "3.32", "Other Liabilities": "-11.5", "ECR before LimitedLiability": "-5.82", "Deposits": "6.93", "Debt": "2.55", "Expenses": "-63.4", "Revenues": "7.30", "Net Income": "-6.70", "Other Expenses": "-12.0", "Operating Expenses": "2.40", "Selling and Marketing Expense": "-40.5", "General and Administrative Expense": "-5.29", "Other Revenues": "7.30", "Other Net Income": "-6.37", "Comprehensive Net Income": "-6.96", "Economic Capital Ratio": "-7.72" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001434621_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "91,131", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "37,227", "Interest Expense": "561", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "232,296", "Other Compr. Net Income": "-3,714", "Other Expenses": "54,329", "Other Liabilities": "91,992", "Other Net Income": "0", "Other Revenues": "384,425", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "261,100" }, "output_variables": { "Assets": "323,427", "Liabilities": "91,992", "Expenses": "353,217", "Revenues": "384,425", "Stockholders Equity": "231,435", "Net Income": "31,208", "Comprehensive Net Income": "27,494", "BaseVar": "578,388", "ECR before LimitedLiability": "69%", "Economic Capital Ratio": "69%" } }, "2017": { "input_variables": { "Cash and Cash Equivalents": "368,550", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "71,541", "Interest Expense": "7,028", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "324,909", "Other Compr. Net Income": "-3,840", "Other Expenses": "86,569", "Other Liabilities": "398,585", "Other Net Income": "0", "Other Revenues": "617,340", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "432,784" }, "output_variables": { "Assets": "693,459", "Liabilities": "398,585", "Expenses": "597,922", "Revenues": "617,340", "Stockholders Equity": "294,874", "Net Income": "19,418", "Comprehensive Net Income": "15,578", "BaseVar": "1,155,573", "ECR before LimitedLiability": "30%", "Economic Capital Ratio": "31%" } }, "2018": { "input_variables": { "Cash and Cash Equivalents": "105,102", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "101,219", "Interest Expense": "12,437", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "791,013", "Other Compr. Net Income": "-12,820", "Other Expenses": "41,589", "Other Liabilities": "549,907", "Other Net Income": "0", "Other Revenues": "764,855", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "500,291" }, "output_variables": { "Assets": "896,115", "Liabilities": "549,907", "Expenses": "655,536", "Revenues": "764,855", "Stockholders Equity": "346,208", "Net Income": "109,319", "Comprehensive Net Income": "96,499", "BaseVar": "1,439,616", "ECR before LimitedLiability": "37%", "Economic Capital Ratio": "38%" } }, "2019": { "input_variables": { "Cash and Cash Equivalents": "60,243", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "116,847", "Interest Expense": "20,271", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "887,726", "Other Compr. Net Income": "0", "Other Expenses": "195,369", "Other Liabilities": "545,643", "Other Net Income": "0", "Other Revenues": "1,107,127", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "735,180" }, "output_variables": { "Assets": "947,969", "Liabilities": "545,643", "Expenses": "1,067,667", "Revenues": "1,107,127", "Stockholders Equity": "402,326", "Net Income": "39,460", "Comprehensive Net Income": "39,460", "BaseVar": "1,834,203", "ECR before LimitedLiability": "32%", "Economic Capital Ratio": "33%" } }, "2020": { "input_variables": { "Cash and Cash Equivalents": "169,932", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "129,101", "Interest Expense": "36,300", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,019,058", "Other Compr. Net Income": "0", "Other Expenses": "150,127", "Other Liabilities": "824,229", "Other Net Income": "0", "Other Revenues": "910,366", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "617,404" }, "output_variables": { "Assets": "1,188,990", "Liabilities": "824,229", "Expenses": "932,932", "Revenues": "910,366", "Stockholders Equity": "364,761", "Net Income": "-22,566", "Comprehensive Net Income": "-22,566", "BaseVar": "1,928,258", "ECR before LimitedLiability": "16%", "Economic Capital Ratio": "21%" } }, "2021": { "input_variables": { "Cash and Cash Equivalents": "251,231", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "153,472", "Interest Expense": "46,867", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "1,048,125", "Other Compr. Net Income": "0", "Other Expenses": "174,304", "Other Liabilities": "851,364", "Other Net Income": "0", "Other Revenues": "1,221,771", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "773,990" }, "output_variables": { "Assets": "1,299,356", "Liabilities": "851,364", "Expenses": "1,148,633", "Revenues": "1,221,771", "Stockholders Equity": "447,992", "Net Income": "73,138", "Comprehensive Net Income": "73,138", "BaseVar": "2,260,562", "ECR before LimitedLiability": "28%", "Economic Capital Ratio": "29%" } }, "2022": { "input_variables": { "Cash and Cash Equivalents": "298,845", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "152,377", "Interest Expense": "26,014", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "900,468", "Other Compr. Net Income": "0", "Other Expenses": "296,152", "Other Liabilities": "991,373", "Other Net Income": "-6.0", "Other Revenues": "988,835", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "702,238" }, "output_variables": { "Assets": "1,199,313", "Liabilities": "991,373", "Expenses": "1,176,781", "Revenues": "988,835", "Stockholders Equity": "207,940", "Net Income": "-187,952", "Comprehensive Net Income": "-187,952", "BaseVar": "2,178,154", "ECR before LimitedLiability": "-7.7%", "Economic Capital Ratio": "7.4%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "112,051", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "117,700", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "690,708", "Other Compr. Net Income": "0", "Other Expenses": "159,310", "Other Liabilities": "678,627", "Other Net Income": "-84,308", "Other Revenues": "672,502", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "433,588" }, "output_variables": { "Assets": "802,759", "Liabilities": "678,627", "Expenses": "710,598", "Revenues": "672,502", "Stockholders Equity": "124,132", "Net Income": "-122,404", "Comprehensive Net Income": "-122,404", "BaseVar": "1,474,397", "ECR before LimitedLiability": "-8.1%", "Economic Capital Ratio": "7.3%" } } }, "top_rated": false, "trend": 23.0, "value": 0.0730251597949648, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001434621.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001434621.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001434621.svg" }, { "company_id": "0001805526", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001805526.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001805526.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001805526_main_keyfigs.svg", "name": "DeFi Development Corp", "rank": 74, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001805526.svg", "report_text": "The relative strengths and weaknesses of DeFi Development Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of DeFi Development Corp compared to the market average is the variable Cash and Cash Equivalents, increasing the Economic Capital Ratio by 6.0% points.The greatest weakness of DeFi Development Corp is the variable Operating Expenses, reducing the Economic Capital Ratio by 117% points.

The company's Economic Capital Ratio, given in the ranking table, is 6.0%, being 9.0% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001805526_2024_DeFi_Development_Corp.pdf", "shrinked_graph_json": { "2023": { "Assets": "-2.19", "Liabilities": "5.99", "Stockholders Equity": "6.03", "ECR before LimitedLiability": "-7.08", "Notes Receivable": "-20.3", "Loans": "-1.70", "Other Assets": "-5.80", "Cash and Cash Equivalents": "6.03", "Other Liabilities": "3.71", "Deposits": "5.80", "Debt": "2.53", "Expenses": "-108", "Revenues": "6.02", "Net Income": "-68.8", "Other Expenses": "6.03", "Operating Expenses": "-117", "Selling and Marketing Expense": "-31.7", "General and Administrative Expense": "-48.3", "Other Revenues": "6.02", "Comprehensive Net Income": "-69.2", "Economic Capital Ratio": "-8.99" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001805526_strength_weakness.svg", "table_records": { "2023": { "input_variables": { "Cash and Cash Equivalents": "5,076", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "2,641", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "5,408", "Other Assets": "1,608", "Other Compr. Net Income": "0", "Other Expenses": "-4,616", "Other Liabilities": "868", "Other Net Income": "31", "Other Revenues": "2,003", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "1,975" }, "output_variables": { "Assets": "6,684", "Liabilities": "868", "Expenses": "5,408", "Revenues": "2,003", "Stockholders Equity": "5,816", "Net Income": "-3,374", "Comprehensive Net Income": "-3,374", "BaseVar": "7,497", "ECR before LimitedLiability": "-12%", "Economic Capital Ratio": "6.0%" } } }, "top_rated": false, "trend": null, "value": 0.060344724050828774, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0001805526.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0001805526.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0001805526.svg" }, { "company_id": "0000846377", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0000846377.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0000846377.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000846377_main_keyfigs.svg", "name": "Totaligent Inc", "rank": 75, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0000846377.svg", "report_text": "The relative strengths and weaknesses of Totaligent Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Totaligent Inc compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 0.000000086% points.The greatest weakness of Totaligent Inc is the variable Operating Expenses, reducing the Economic Capital Ratio by 15% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.000000086%, being 15% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0000846377_2024_Totaligent_Inc.pdf", "shrinked_graph_json": { "2016": { "Cash and Cash Equivalents": "0", "Assets": "0", "Stockholders Equity": "0", "Debt": "0", "Securities": "0", "Other Assets": "0", "Notes Receivable": "0", "Loans": "0", "Expenses": "-0.122", "Revenues": "0", "Net Income": "-0.676", "General and Administrative Expense": "0", "Other Expenses": "0", "Operating Expenses": "-0.235", "Other Revenues": "0", "Deposits": "0", "ECR before LimitedLiability": "-15.7", "Other Liabilities": "0", "Comprehensive Net Income": "-0.660", "Other Net Income": "0", "Economic Capital Ratio": "-17.0" }, "2023": { "Assets": "-6.32", "Other Liabilities": "0", "Stockholders Equity": "-1.28", "Notes Receivable": "-1.29", "Loans": "0", "Other Assets": "0", "Cash and Cash Equivalents": "0", "Expenses": "-14.7", "Revenues": "0", "Net Income": "-0.0296", "Labor and Related Expense": "0", "Other Expenses": "0", "Operating Expenses": "-15.4", "Selling and Marketing Expense": "0", "General and Administrative Expense": "-1.15", "Other Revenues": "0", "ECR before LimitedLiability": "-13.1", "Deposits": "0", "Other Net Income": "0", "Comprehensive Net Income": "-0.0319", "Economic Capital Ratio": "-15.0" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0000846377_strength_weakness.svg", "table_records": { "2016": { "input_variables": { "Cash and Cash Equivalents": "16", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "404", "Interest Expense": "4.6", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "512", "Other Assets": "302", "Other Compr. Net Income": "0", "Other Expenses": "-404", "Other Liabilities": "637", "Other Net Income": "0", "Other Revenues": "0", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "317", "Liabilities": "637", "Expenses": "516", "Revenues": "0", "Stockholders Equity": "-319", "Net Income": "-516", "Comprehensive Net Income": "-516", "BaseVar": "735", "ECR before LimitedLiability": "-142%", "Economic Capital Ratio": "0.00000000000000000035%" } }, "2023": { "input_variables": { "Cash and Cash Equivalents": "0", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "605", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "1,004", "Other Assets": "487", "Other Compr. Net Income": "0", "Other Expenses": "-524", "Other Liabilities": "1,397", "Other Net Income": "-48", "Other Revenues": "732", "Professional Fees": "0", "Securities": "0", "Selling and Marketing Expense": "0" }, "output_variables": { "Assets": "487", "Liabilities": "1,397", "Expenses": "1,086", "Revenues": "732", "Stockholders Equity": "-910", "Net Income": "-402", "Comprehensive Net Income": "-402", "BaseVar": "1,875", "ECR before LimitedLiability": "-91%", "Economic Capital Ratio": "0.000000086%" } } }, "top_rated": false, "trend": null, "value": 8.571509798409698e-10, "company_index": "https://www.realrate-archive.com/us_savings/2023/industry_indexes/0000846377.svg", "analysing_equity": "https://www.realrate-archive.com/us_savings/2023/analytics/equity/0000846377.svg", "analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2023/analytics/profit_loss/0000846377.svg" }, { "company_id": "0001892492", "feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution_0001892492.svg", "graph_url": "https://www.realrate-archive.com/us_savings/2023/graphs/IME_0001892492.svg", "logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png", "logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png", "main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001892492_main_keyfigs.svg", "name": "Eightco Holdings Inc", "rank": 76, "regression_plot": "https://www.realrate-archive.com/us_savings/2023/backtesting_correlation/regression_0001892492.svg", "report_text": "The relative strengths and weaknesses of Eightco Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.

The greatest strength of Eightco Holdings Inc compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 0.000000000000037% points.The greatest weakness of Eightco Holdings Inc is the variable Expenses, reducing the Economic Capital Ratio by 9.6% points.

The company's Economic Capital Ratio, given in the ranking table, is 0.000000000000036%, being 15% points below the market average of 15%.", "report_url": "https://www.realrate-archive.com/us_savings/2023/report/0001892492_2024_Eightco_Holdings_Inc.pdf", "shrinked_graph_json": { "2022": { "Loans": "-0.535", "Assets": "-2.94", "Liabilities": "0", "Stockholders Equity": "0", "Other Assets": "0", "Securities": "0", "Notes Receivable": "-0.168", "Deposits": "0", "ECR before LimitedLiability": "-15.3", "Other Liabilities": "0", "Labor and Related Expense": "0", "Expenses": "-7.67", "Revenues": "0", "Net Income": "-14.0", "Other Expenses": "-1.98", "Selling and Marketing Expense": "-0.0195", "Operating Expenses": "0", "Other Revenues": "0", "Comprehensive Net Income": "-12.6", "Other Net Income": "-4.02", "Economic Capital Ratio": "-15.8" }, "2023": { "Securities": "0", "Assets": "-5.27", "Stockholders Equity": "0", "Notes Receivable": "-1.06", "Loans": "0", "Other Assets": "0", "Cash and Cash Equivalents": "0", "Liabilities": "0", "ECR before LimitedLiability": "-13.1", "Deposits": "0", "Debt": "0", "Expenses": "-9.58", "Net Income": "-7.72", "Other Expenses": "-0.661", "Operating Expenses": "0", "Selling and Marketing Expense": "0", "Other Revenues": "0", "Revenues": "0", "Other Net Income": "-4.49", "Comprehensive Net Income": "-7.72", "Economic Capital Ratio": "-15.0" } }, "strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2023/plot_over_time/0001892492_strength_weakness.svg", "table_records": { "2022": { "input_variables": { "Cash and Cash Equivalents": "5,580", "Debt": "0", "Deposits": "0", "Depreciation and Amortization": "0", "General and Administrative Expense": "0", "Interest Expense": "0", "Interest Payable": "0", "Labor and Related Expense": "0", "Loans": "0", "Notes Receivable": "0", "Occupancy": "0", "Operating Expenses": "0", "Other Assets": "53,020", "Other Compr. 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"https://www.realrate-archive.com/us_savings/2023/feature_distribution/feature_distribution.svg", "final_var_label": "Economic Capital Ratio", "industry_box": [ [ "Revenues", "19.8 B" ], [ "Assets", "8.35 K" ], [ "Expenses", "38.0 B" ], [ "Stockholders Equity", "223 B" ] ], "industry_id": "us_savings", "industry_label": "Savings & Credit", "num_companies": 76, "num_top_companies": 19, "ecr_records": { "2016": { "0001434621": { "rank": 1, "ecr": "69" }, "0001001258": { "rank": 2, "ecr": "63" }, "0001628468": { "rank": 3, "ecr": "58" }, "0000108385": { "rank": 4, "ecr": "45" }, "0001041514": { "rank": 5, "ecr": "35" }, "0000885550": { "rank": 6, "ecr": "27" }, "0001568669": { "rank": 7, "ecr": "26" }, "0001000045": { "rank": 8, "ecr": "26" }, "0001519401": { "rank": 9, "ecr": "24" }, "0001216752": { "rank": 10, "ecr": "22" }, "0001529864": { "rank": 11, "ecr": "22" }, "0000025598": { "rank": 12, "ecr": "21" }, "0001569994": { "rank": 13, "ecr": "20" }, "0000077776": { "rank": 14, "ecr": 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