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 |
|---|---|
| Assets and Securities | 0 |
| Cash Deposits and Cash Equivalents | 14,288 |
| Deposits | 0 |
| Fees | 11,391 |
| Goodwill | 5,259 |
| IT and Equipment Expense | 27,766 |
| Labor Expense | 22,008 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 0 |
| Liabilities | 0 |
| Stockholders Equity | 0 |
| ECR before LimitedLiability | -11.6 |
| Other Liabilities | 0 |
| Liabilities and Borrowings | 0 |
| Assets | -84.9 |
| Other Assets | 0 |
| Assets and Securities | -0.0199 |
| Property, Plant and Equipment | 0 |
| Loans and Leases Receivable | -76.0 |
| Expenses | -534 |
| Net Income | -80.6 |
| Fees | -4.33 |
| IT and Equipment Expense | -154 |
| Labor Expense | -92.3 |
| Other Expenses | -0.234 |
| Other Revenues | 0 |
| Revenues | 0 |
| Comprehensive Net Income | -87.2 |
| Other Compr. Net Income | 0 |
| Other Net Income | 0 |
| Economic Capital Ratio | -12.5 |
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.
