Key figures for the selected year.
The model's causal graph for 2022. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 1,181,127 |
| Cash Deposits and Cash Equivalents | 128,160 |
| Deposits | 6,906,719 |
| Fees | 0 |
| Goodwill | 317,988 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 106,795 |
| Loans and Leases Receivable | 6,387,804 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -4.07 |
| Liabilities | -1.76 |
| Stockholders Equity | 0.713 |
| Liabilities and Borrowings | 6.35 |
| Other Liabilities | -27.2 |
| Cash Deposits and Cash Equivalents | -1.30 |
| Assets | 2.17 |
| Loans and Leases Receivable | 5.36 |
| Other Assets | -3.30 |
| Goodwill | 1.26 |
| Assets and Securities | -1.86 |
| Expenses | 3.30 |
| Net Income | 0.398 |
| Labor Expense | 1.61 |
| Other Expenses | 0.442 |
| Other Revenues | -0.993 |
| Revenues | -0.993 |
| Economic Capital Ratio | -1.39 |
| Other Net Income | -2.08 |
| Other Compr. Net Income | -1.19 |
| Comprehensive Net Income | -0.739 |
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.
