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 | 1,194,817 |
| Cash Deposits and Cash Equivalents | 271,400 |
| Deposits | 4,724,622 |
| Fees | 0 |
| Goodwill | 65,490 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 3,492,696 |
| Loans and Leases Receivable | 4,001,363 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -6.29 |
| Liabilities | -1.51 |
| Assets | 3.10 |
| Stockholders Equity | 2.06 |
| ECR before LimitedLiability | 5.29 |
| Other Liabilities | 16.4 |
| Liabilities and Borrowings | -27.2 |
| Other Assets | -4.74 |
| Assets and Securities | 4.32 |
| Loans and Leases Receivable | 3.96 |
| Other Noninterest Expense | 0.539 |
| Expenses | 4.54 |
| Revenues | -1.46 |
| Net Income | 2.24 |
| IT and Equipment Expense | 0.615 |
| Labor Expense | 2.49 |
| Other Revenues | -1.46 |
| Comprehensive Net Income | 2.97 |
| Other Net Income | -0.849 |
| Other Compr. Net Income | 0.731 |
| Economic Capital Ratio | 4.45 |
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.
