Key figures for the selected year.
The model's causal graph for 2024. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Cash and Cash Equivalents | 8,499,000 |
| Debt | 16,253,000 |
| Deposits | 107,009,000 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 0 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Securities | 3.35 |
| Assets | 2.45 |
| Liabilities | -3.77 |
| Stockholders Equity | -0.915 |
| ECR before LimitedLiability | 2.75 |
| Other Assets | -8.21 |
| Notes Receivable | 8.87 |
| Loans | -0.942 |
| Debt | -0.570 |
| Other Liabilities | 8.24 |
| Deposits | -16.6 |
| Expenses | 8.09 |
| Revenues | -5.10 |
| Net Income | 3.47 |
| Labor and Related Expense | 1.07 |
| General and Administrative Expense | 1.28 |
| Operating Expenses | 3.52 |
| Selling and Marketing Expense | 1.28 |
| Other Revenues | -5.10 |
| Comprehensive Net Income | 3.47 |
| Other Net Income | 1.54 |
| Economic Capital Ratio | 0.220 |
Charts generated by the RealRate valuation model for this report year.
Distribution of each variable's impact on financial strength — green strengthens, red weakens.
How the company's key drivers have shifted across years.
Model-forecast valuation vs. observed market value.
