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 | 1,155,528 |
| Cash Deposits and Cash Equivalents | 141,318 |
| Deposits | 5,973,350 |
| Fees | 0 |
| Goodwill | 4,970 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 4,826,135 |
| Loans and Leases Receivable | 5,306,354 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -4.48 |
| Liabilities | -1.87 |
| ECR before LimitedLiability | 3.39 |
| Liabilities and Borrowings | -30.9 |
| Other Liabilities | 16.3 |
| Long-term Debt | 0.541 |
| Assets and Securities | 0.704 |
| Assets | 1.75 |
| Comprehensive Net Income | 3.43 |
| Loans and Leases Receivable | 7.54 |
| Goodwill | -0.940 |
| Cash Deposits and Cash Equivalents | -1.98 |
| Other Assets | -3.28 |
| Other Noninterest Expense | 0.509 |
| Expenses | 3.96 |
| Net Income | 2.68 |
| Labor Expense | 2.17 |
| Other Revenues | -0.861 |
| Revenues | -0.861 |
| Other Compr. Net Income | 0.757 |
| Economic Capital Ratio | 3.27 |
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.
