Key figures for the selected year.
The model's causal graph for 2023. 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 | 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 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| 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 |
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.
