Key figures for the selected year.
The model's causal graph for 2025. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 2,642,673 |
| Cash Deposits and Cash Equivalents | 1,088,920 |
| Deposits | 22,375,995 |
| Fees | 0 |
| Goodwill | 1,015,646 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 16,879,404 |
| Loans and Leases Receivable | 21,788,533 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | -3.98 |
| Assets | 3.43 |
| Liabilities and Borrowings | -23.5 |
| Stockholders Equity | 3.72 |
| ECR before LimitedLiability | 5.40 |
| Loans and Leases Receivable | 11.3 |
| Goodwill | 1.74 |
| Cash Deposits and Cash Equivalents | -0.522 |
| Other Assets | -4.36 |
| Other Noninterest Expense | 0.508 |
| Expenses | 3.45 |
| Revenues | -0.859 |
| Net Income | 2.88 |
| Labor Expense | 2.17 |
| Other Revenues | -0.859 |
| Other Liabilities | 16.6 |
| Deposits | -2.38 |
| Long-term Debt | 0.546 |
| Comprehensive Net Income | 2.03 |
| Other Compr. Net Income | -0.854 |
| Economic Capital Ratio | 5.29 |
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.
