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 | 1,230,503 |
| Cash Deposits and Cash Equivalents | 202,042 |
| Deposits | 6,514,005 |
| Fees | 0 |
| Goodwill | 139,027 |
| IT and Equipment Expense | 25,885 |
| Labor Expense | 149,320 |
| Liabilities and Borrowings | 5,679,579 |
| Loans and Leases Receivable | 6,456,216 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 12.9 |
| Liabilities | 12.7 |
| Stockholders Equity | -0.955 |
| ECR before LimitedLiability | 25.4 |
| Other Liabilities | 21.6 |
| Liabilities and Borrowings | -28.9 |
| Cash Deposits and Cash Equivalents | -1.88 |
| Assets | -8.42 |
| Other Assets | -4.44 |
| Assets and Securities | -2.11 |
| Loans and Leases Receivable | -0.653 |
| Other Noninterest Expense | 0.527 |
| Expenses | -2.99 |
| Revenues | 27.2 |
| Net Income | 24.6 |
| Labor Expense | -3.17 |
| Other Expenses | -0.694 |
| Other Revenues | 27.2 |
| Comprehensive Net Income | 23.8 |
| Other Compr. Net Income | -0.783 |
| Economic Capital Ratio | 24.5 |
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.
