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 |
|---|---|
| Assets and Securities | 612,306 |
| Cash Deposits and Cash Equivalents | 72,162 |
| Deposits | 3,267,688 |
| Fees | 0 |
| Goodwill | 119,477 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 66,610 |
| Loans and Leases Receivable | 3,119,587 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -0.971 |
| Liabilities | -2.42 |
| Assets | 2.91 |
| Stockholders Equity | 0.978 |
| ECR before LimitedLiability | 1.74 |
| Liabilities and Borrowings | 13.1 |
| Long-term Debt | 0.542 |
| Other Liabilities | -40.6 |
| Cash Deposits and Cash Equivalents | -2.24 |
| Loans and Leases Receivable | 9.07 |
| Goodwill | 1.18 |
| Other Assets | -6.26 |
| Expenses | 3.89 |
| Revenues | -0.790 |
| Net Income | 1.46 |
| Labor Expense | 2.05 |
| Other Expenses | 0.654 |
| Other Revenues | -0.790 |
| Other Net Income | -1.77 |
| Comprehensive Net Income | 1.16 |
| Economic Capital Ratio | 1.56 |
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.
