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 | 0 |
| Debt | 0 |
| Deposits | 1,066,439 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 1,922 |
| Labor and Related Expense | 15,538 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Securities | -0.432 |
| Assets | 2.08 |
| Liabilities | -4.32 |
| Stockholders Equity | -2.06 |
| Economic Capital Ratio | -2.34 |
| Other Assets | 4.03 |
| Notes Receivable | 1.91 |
| Loans | -1.08 |
| Cash and Cash Equivalents | -1.69 |
| Debt | 4.52 |
| Other Liabilities | 6.59 |
| Deposits | -29.0 |
| Expenses | 5.64 |
| Revenues | -4.96 |
| Net Income | 1.97 |
| General and Administrative Expense | 1.45 |
| Operating Expenses | 4.02 |
| Selling and Marketing Expense | 1.44 |
| Other Revenues | -4.96 |
| Comprehensive Net Income | 2.09 |
| Other Net Income | 0.629 |
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.
