Key figures for the selected year.
The model's causal graph for 2024. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 165,234 |
| Cash Deposits and Cash Equivalents | 198,792 |
| Deposits | 2,615,791 |
| Fees | 1,650 |
| Goodwill | 0 |
| IT and Equipment Expense | -592 |
| Labor Expense | -297 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 2,598,759 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -6.18 |
| Liabilities | -2.12 |
| Stockholders Equity | 1.53 |
| ECR before LimitedLiability | 1.56 |
| Liabilities and Borrowings | 12.9 |
| Long-term Debt | 0.541 |
| Other Liabilities | -34.8 |
| Cash Deposits and Cash Equivalents | 1.24 |
| Assets | 3.16 |
| Loans and Leases Receivable | 12.2 |
| Assets and Securities | -6.71 |
| Goodwill | -0.987 |
| Other Assets | -6.00 |
| Expenses | 3.46 |
| Revenues | -0.789 |
| Net Income | 0.622 |
| Labor Expense | 2.04 |
| Other Noninterest Expense | 0.512 |
| Other Revenues | -0.789 |
| Other Net Income | -2.16 |
| Economic Capital Ratio | 1.38 |
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.
