Key figures for the selected year.
The model's causal graph for 2022. 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 | 5,684 |
| Debt | 0 |
| Deposits | 206,064 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 12 |
| Labor and Related Expense | 3,710 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -11.9 |
| Liabilities | -1.57 |
| Loans | -10.7 |
| Stockholders Equity | -1.34 |
| Other Liabilities | 2.58 |
| Debt | 2.31 |
| Expenses | 2.21 |
| Revenues | -3.32 |
| Comprehensive Net Income | -3.33 |
| General and Administrative Expense | 0.813 |
| Selling and Marketing Expense | 0.865 |
| Operating Expenses | 1.68 |
| Other Revenues | -3.32 |
| ECR before LimitedLiability | -4.68 |
| Other Assets | 2.30 |
| Cash and Cash Equivalents | -0.720 |
| Securities | -0.408 |
| Notes Receivable | 5.24 |
| Other Compr. Net Income | -3.56 |
| Other Net Income | 0.889 |
| Economic Capital Ratio | -5.15 |
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.
