Key figures for the selected year.
The model's causal graph for 2025. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 4,875,787 |
| Cash Deposits and Cash Equivalents | 657,899 |
| Deposits | 16,670,143 |
| Fees | 0 |
| Goodwill | 38,611 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 11,120,727 |
| Loans and Leases Receivable | 12,876,319 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -4.51 |
| Liabilities | -0.770 |
| Assets and Securities | 7.14 |
| Stockholders Equity | -0.418 |
| ECR before LimitedLiability | 6.15 |
| Liabilities and Borrowings | -17.3 |
| Other Liabilities | 15.9 |
| Long-term Debt | -0.829 |
| Other Noninterest Expense | 0.518 |
| Expenses | 3.84 |
| Revenues | -0.876 |
| Net Income | 3.85 |
| Labor Expense | 2.21 |
| Other Revenues | -0.876 |
| Goodwill | -0.847 |
| Cash Deposits and Cash Equivalents | -1.02 |
| Other Assets | -4.41 |
| Other Net Income | 0.880 |
| Comprehensive Net Income | 6.65 |
| Other Compr. Net Income | 2.81 |
| Economic Capital Ratio | 6.03 |
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.
