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 | 1,862,270 |
| Cash Deposits and Cash Equivalents | 764,170 |
| Deposits | 13,146,492 |
| Fees | 0 |
| Goodwill | 365,164 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 469,386 |
| Loans and Leases Receivable | 11,082,405 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -4.64 |
| Liabilities | -1.73 |
| Assets | 2.67 |
| Stockholders Equity | 1.33 |
| ECR before LimitedLiability | 2.39 |
| Liabilities and Borrowings | 13.7 |
| Long-term Debt | 0.550 |
| Other Liabilities | -33.0 |
| Loans and Leases Receivable | 5.93 |
| Assets and Securities | -2.17 |
| Goodwill | 0.741 |
| Other Assets | -1.49 |
| Expenses | 3.71 |
| Net Income | 1.92 |
| Labor Expense | 2.08 |
| Other Revenues | -0.797 |
| Revenues | -0.797 |
| Other Net Income | -1.06 |
| Other Compr. Net Income | -0.529 |
| Comprehensive Net Income | 1.40 |
| Economic Capital Ratio | 2.20 |
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.
