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 | 1,509,067 |
| Cash Deposits and Cash Equivalents | 936,473 |
| Deposits | 14,995,626 |
| Fees | 37,025 |
| Goodwill | 901,312 |
| IT and Equipment Expense | 31,946 |
| Labor Expense | 196,279 |
| Liabilities and Borrowings | 10,062,809 |
| Loans and Leases Receivable | 13,096,549 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -1.13 |
| Liabilities | 3.60 |
| Stockholders Equity | 4.28 |
| ECR before LimitedLiability | 3.83 |
| Other Liabilities | 13.6 |
| Liabilities and Borrowings | -17.2 |
| Assets | 0.863 |
| Other Assets | 2.22 |
| Assets and Securities | -5.40 |
| Property, Plant and Equipment | -0.454 |
| Loans and Leases Receivable | 2.09 |
| Goodwill | 2.55 |
| Expenses | -2.24 |
| Revenues | -1.14 |
| Net Income | -3.69 |
| Labor Expense | -1.80 |
| Occupancy | -0.629 |
| Other Revenues | -1.14 |
| Comprehensive Net Income | -1.32 |
| Other Compr. Net Income | 2.36 |
| Economic Capital Ratio | 2.99 |
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.
