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 | 14,577,143 |
| Cash Deposits and Cash Equivalents | 424,133 |
| Deposits | 28,533,531 |
| Fees | 0 |
| Goodwill | 3,231,636 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 19,612,431 |
| Loans and Leases Receivable | 18,558,251 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -4.51 |
| Liabilities | -1.03 |
| Stockholders Equity | 7.74 |
| ECR before LimitedLiability | 13.8 |
| Liabilities and Borrowings | -23.9 |
| Other Liabilities | 18.3 |
| Cash Deposits and Cash Equivalents | -1.74 |
| Assets | 7.93 |
| Loans and Leases Receivable | -6.68 |
| Other Assets | -5.44 |
| Goodwill | 5.55 |
| Assets and Securities | 16.9 |
| Expenses | 4.05 |
| Net Income | 1.61 |
| Labor Expense | 2.35 |
| Other Revenues | -1.32 |
| Revenues | -1.32 |
| Other Net Income | -1.13 |
| Other Compr. Net Income | 5.87 |
| Comprehensive Net Income | 7.47 |
| Economic Capital Ratio | 12.8 |
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.
