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 | 193,328 |
| Cash Deposits and Cash Equivalents | 364,032 |
| Deposits | 2,234,009 |
| Fees | 0 |
| Goodwill | 38,838 |
| IT and Equipment Expense | 7,107 |
| Labor Expense | 38,915 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 1,937,212 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 1.47 |
| Liabilities | 4.48 |
| Assets | -3.01 |
| Stockholders Equity | 1.07 |
| ECR before LimitedLiability | 1.86 |
| Liabilities and Borrowings | 13.2 |
| Long-term Debt | 0.591 |
| Other Liabilities | -40.0 |
| Cash Deposits and Cash Equivalents | 6.04 |
| Loans and Leases Receivable | 3.55 |
| Assets and Securities | -6.32 |
| Other Assets | -5.74 |
| Occupancy | -0.914 |
| Expenses | -5.18 |
| Labor Expense | -3.36 |
| Other Noninterest Expense | -0.777 |
| IT and Equipment Expense | -0.725 |
| Other Revenues | -0.684 |
| Revenues | -0.684 |
| Other Net Income | 5.59 |
| Economic Capital Ratio | 1.68 |
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.
