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 | 591,313 |
| Cash Deposits and Cash Equivalents | 316,567 |
| Deposits | 0 |
| Fees | 5,985 |
| Goodwill | 40,516 |
| IT and Equipment Expense | 29,242 |
| Labor Expense | 116,051 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 14.6 |
| Liabilities | 6.11 |
| Stockholders Equity | 2.76 |
| ECR before LimitedLiability | 3.01 |
| Other Liabilities | -257 |
| Liabilities and Borrowings | 14.6 |
| Assets | -2.89 |
| Other Assets | 14.6 |
| Assets and Securities | -5.22 |
| Loans and Leases Receivable | -37.9 |
| Goodwill | -0.619 |
| Expenses | -6.64 |
| Revenues | -1.13 |
| Net Income | -0.747 |
| IT and Equipment Expense | -1.05 |
| Labor Expense | -4.12 |
| Other Expenses | -0.511 |
| Other Revenues | -1.13 |
| Comprehensive Net Income | -1.16 |
| Other Net Income | 6.66 |
| Economic Capital Ratio | 2.16 |
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.
