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 | 41,090 |
| Cash Deposits and Cash Equivalents | 109,162 |
| Deposits | 544,952 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 433,292 |
| Loans and Leases Receivable | 447,812 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 2.95 |
| Liabilities | 6.09 |
| Stockholders Equity | 11.9 |
| ECR before LimitedLiability | 16.0 |
| Liabilities and Borrowings | -27.3 |
| Other Liabilities | 21.8 |
| Cash Deposits and Cash Equivalents | 7.58 |
| Assets | 5.62 |
| Property, Plant and Equipment | 0.953 |
| Assets and Securities | -6.00 |
| Goodwill | -0.917 |
| Other Assets | 4.92 |
| Expenses | 2.71 |
| Revenues | -0.818 |
| Net Income | 4.32 |
| Labor Expense | 2.15 |
| Other Expenses | -0.781 |
| Other Revenues | -0.818 |
| Other Net Income | 2.43 |
| Comprehensive Net Income | 4.28 |
| Economic Capital Ratio | 15.9 |
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.
