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 | 395,988 |
| Cash Deposits and Cash Equivalents | 408,182 |
| Deposits | 4,171,336 |
| Fees | 16,998 |
| Goodwill | 233,709 |
| IT and Equipment Expense | 46,916 |
| Labor Expense | 218,979 |
| Liabilities and Borrowings | 2,508,834 |
| Loans and Leases Receivable | 4,083,125 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 9.73 |
| Liabilities | 14.0 |
| Stockholders Equity | 4.87 |
| ECR before LimitedLiability | 10.8 |
| Liabilities and Borrowings | -8.96 |
| Other Liabilities | 12.4 |
| Cash Deposits and Cash Equivalents | 2.42 |
| Assets | -9.18 |
| Loans and Leases Receivable | 1.76 |
| Other Assets | -6.78 |
| Goodwill | 2.07 |
| Assets and Securities | -8.88 |
| Expenses | -20.9 |
| Other Compr. Net Income | 6.29 |
| Comprehensive Net Income | 6.04 |
| IT and Equipment Expense | -2.36 |
| Labor Expense | -12.0 |
| Other Noninterest Expense | -2.01 |
| Other Expenses | -1.90 |
| Other Net Income | 16.0 |
| Economic Capital Ratio | 9.84 |
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.
