Key figures for the selected year.
The model's causal graph for 2021. 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 | 0 |
| Debt | 0 |
| Deposits | 255,250 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 7.0 |
| Labor and Related Expense | 0 |
| Loans | 222,104 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Assets | 3.86 |
| Other Liabilities | 7.48 |
| Stockholders Equity | 4.53 |
| ECR before LimitedLiability | 2.20 |
| Loans | 12.1 |
| Other Assets | 1.39 |
| Notes Receivable | -4.84 |
| Cash and Cash Equivalents | -1.82 |
| Selling and Marketing Expense | 0.539 |
| Expenses | 3.44 |
| Revenues | -3.29 |
| Net Income | -0.906 |
| Operating Expenses | 0.830 |
| Labor and Related Expense | 0.818 |
| General and Administrative Expense | 0.546 |
| Other Revenues | -3.29 |
| Debt | 2.93 |
| Deposits | -14.1 |
| Comprehensive Net Income | -0.950 |
| Other Net Income | -1.08 |
| Economic Capital Ratio | 1.76 |
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.
