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 | 39,455 |
| Cash Deposits and Cash Equivalents | 144,805 |
| Deposits | 2,730,936 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 1,232 |
| Labor Expense | 29,046 |
| Liabilities and Borrowings | 2,271,477 |
| Loans and Leases Receivable | 3,146,260 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 1.30 |
| Liabilities | 1.67 |
| ECR before LimitedLiability | 2.30 |
| Other Liabilities | 13.6 |
| Liabilities and Borrowings | -29.4 |
| Assets | -0.899 |
| Other Assets | -4.44 |
| Assets and Securities | -10.1 |
| Loans and Leases Receivable | 12.8 |
| Goodwill | -1.03 |
| Other Noninterest Expense | 0.563 |
| Expenses | -1.23 |
| Net Income | 1.68 |
| Labor Expense | -0.595 |
| Other Expenses | -2.37 |
| Other Revenues | -1.23 |
| Revenues | -1.23 |
| Comprehensive Net Income | 0.885 |
| Other Compr. Net Income | -0.807 |
| Other Net Income | 4.06 |
| Economic Capital Ratio | 1.45 |
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.
