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 | 7,868,300 |
| Cash Deposits and Cash Equivalents | 1,309,700 |
| Deposits | 22,088,300 |
| Fees | 34,181 |
| Goodwill | 1,100,900 |
| IT and Equipment Expense | 78,582 |
| Labor Expense | 274,750 |
| Liabilities and Borrowings | 16,801,500 |
| Loans and Leases Receivable | 15,010,200 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 2.24 |
| Liabilities | 4.56 |
| Stockholders Equity | 1.43 |
| ECR before LimitedLiability | 3.81 |
| Liabilities and Borrowings | -21.2 |
| Other Liabilities | 15.0 |
| Assets and Securities | 9.75 |
| Assets | -2.44 |
| Loans and Leases Receivable | -9.15 |
| Goodwill | 1.98 |
| Other Assets | -4.36 |
| Other Noninterest Expense | -0.999 |
| Expenses | -3.77 |
| Revenues | 2.48 |
| Net Income | 2.50 |
| IT and Equipment Expense | -0.823 |
| Labor Expense | -1.67 |
| Other Revenues | 2.48 |
| Other Net Income | 3.78 |
| Comprehensive Net Income | 1.78 |
| Economic Capital Ratio | 3.70 |
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.
