Key figures for the selected year.
The model's causal graph for 2021. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 46,673 |
| Cash Deposits and Cash Equivalents | 109,727 |
| Deposits | 721,685 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 163,495 |
| Loans and Leases Receivable | 560,882 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Expenses | 2.63 |
| Net Income | 6.14 |
| Labor Expense | 2.57 |
| Other Noninterest Expense | 0.544 |
| Other Expenses | -1.57 |
| Other Revenues | -1.48 |
| Revenues | -1.48 |
| Comprehensive Net Income | 6.86 |
| Other Net Income | 4.99 |
| ECR before LimitedLiability | 6.19 |
| Other Compr. Net Income | 0.739 |
| Liabilities and Borrowings | 11.7 |
| Economic Capital Ratio | 6.05 |
| Other Assets | 8.03 |
| Loans and Leases Receivable | 1.12 |
| Property, Plant and Equipment | 1.62 |
| Goodwill | -0.962 |
| Assets and Securities | -9.82 |
| Deposits | 2.29 |
| Other Liabilities | -17.5 |
| Cash Deposits and Cash Equivalents | 1.25 |
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.
