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 | 41,403 |
| Cash Deposits and Cash Equivalents | 58,767 |
| Deposits | 526,891 |
| Fees | 1,751 |
| Goodwill | 21,440 |
| IT and Equipment Expense | 919 |
| Labor Expense | 31,350 |
| Liabilities and Borrowings | 160,621 |
| Loans and Leases Receivable | 521,360 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 14.2 |
| Liabilities | 18.3 |
| Stockholders Equity | 3.06 |
| ECR before LimitedLiability | 10.7 |
| Other Liabilities | -13.5 |
| Liabilities and Borrowings | 16.2 |
| Cash Deposits and Cash Equivalents | 2.14 |
| Assets | -13.0 |
| Other Assets | -5.62 |
| Assets and Securities | -8.45 |
| Loans and Leases Receivable | -2.36 |
| Other Noninterest Expense | -3.15 |
| Expenses | -21.9 |
| Revenues | 7.71 |
| Net Income | 5.04 |
| Labor Expense | -15.0 |
| Other Expenses | -2.55 |
| Other Revenues | 7.71 |
| Comprehensive Net Income | 4.09 |
| Other Net Income | 17.6 |
| Economic Capital Ratio | 9.88 |
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.
