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 | 267,054 |
| Cash Deposits and Cash Equivalents | 117,348 |
| Deposits | 2,032,625 |
| Fees | 0 |
| Goodwill | 14,381 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 1,738,879 |
| Loans and Leases Receivable | 1,795,218 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -8.31 |
| Liabilities | -3.55 |
| Assets | 3.65 |
| Stockholders Equity | 1.02 |
| ECR before LimitedLiability | -0.726 |
| Liabilities and Borrowings | -42.1 |
| Long-term Debt | 0.504 |
| Other Liabilities | 10.6 |
| Loans and Leases Receivable | 8.60 |
| Assets and Securities | -2.34 |
| Goodwill | -0.513 |
| Other Assets | -4.20 |
| Expenses | 3.79 |
| Revenues | -0.754 |
| Net Income | -0.866 |
| Labor Expense | 1.89 |
| Other Expenses | 1.00 |
| Other Revenues | -0.754 |
| Other Net Income | -4.46 |
| Comprehensive Net Income | -1.23 |
| Economic Capital Ratio | -0.911 |
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.
