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 | 20,585 |
| Cash Deposits and Cash Equivalents | 192,624 |
| Deposits | 1,735,070 |
| Fees | 4,404 |
| Goodwill | 19,168 |
| IT and Equipment Expense | 1,951 |
| Labor Expense | 20,652 |
| Liabilities and Borrowings | 11,368 |
| Loans and Leases Receivable | 1,859,876 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Cash Deposits and Cash Equivalents | 2.42 |
| Assets | -0.691 |
| Other Liabilities | -36.7 |
| Stockholders Equity | -1.08 |
| ECR before LimitedLiability | -3.38 |
| Other Assets | -6.02 |
| Assets and Securities | -10.2 |
| Loans and Leases Receivable | 7.98 |
| Other Noninterest Expense | -0.484 |
| Expenses | -1.56 |
| Revenues | -1.34 |
| Net Income | -1.76 |
| Fees | -0.380 |
| Labor Expense | -0.931 |
| Other Revenues | -1.34 |
| Liabilities and Borrowings | 8.26 |
| Deposits | -1.05 |
| Comprehensive Net Income | -2.86 |
| Other Net Income | 1.05 |
| Other Compr. Net Income | -1.01 |
| Economic Capital Ratio | -4.22 |
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.
