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 |
|---|---|
| Assets and Securities | 271,172 |
| Cash Deposits and Cash Equivalents | 27,772 |
| Deposits | 598,670 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 327,557 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -7.16 |
| Liabilities | -1.63 |
| Stockholders Equity | -1.09 |
| Liabilities and Borrowings | 2.01 |
| Other Liabilities | -18.6 |
| Assets | 0.168 |
| Loans and Leases Receivable | -7.34 |
| Other Assets | -2.88 |
| Goodwill | -0.206 |
| Assets and Securities | 2.01 |
| Expenses | 1.42 |
| Revenues | -0.227 |
| Comprehensive Net Income | -2.45 |
| IT and Equipment Expense | 0.138 |
| Labor Expense | 0.765 |
| Other Expenses | 0.168 |
| Other Revenues | -0.227 |
| ECR before LimitedLiability | -4.72 |
| Other Compr. Net Income | -2.25 |
| Other Net Income | -1.68 |
| Economic Capital Ratio | -5.73 |
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.
