Key figures for the selected year.
The model's causal graph for 2024. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 3,229,360 |
| Cash Deposits and Cash Equivalents | 2,292,244 |
| Deposits | 23,961,859 |
| Fees | 22,121 |
| Goodwill | 1,888,889 |
| IT and Equipment Expense | 59,487 |
| Labor Expense | 237,501 |
| Liabilities and Borrowings | 17,826,446 |
| Loans and Leases Receivable | 21,401,649 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 2.21 |
| Liabilities | 5.66 |
| Cash Deposits and Cash Equivalents | 1.95 |
| Stockholders Equity | 5.20 |
| ECR before LimitedLiability | 6.62 |
| Liabilities and Borrowings | -22.9 |
| Long-term Debt | 0.605 |
| Other Liabilities | 16.1 |
| Expenses | -3.13 |
| Revenues | -0.602 |
| Net Income | 0.744 |
| Labor Expense | -0.854 |
| Other Noninterest Expense | -1.11 |
| Other Revenues | -0.602 |
| Loans and Leases Receivable | 4.59 |
| Assets and Securities | -3.41 |
| Goodwill | 3.73 |
| Other Assets | -6.03 |
| Other Net Income | 4.47 |
| Comprehensive Net Income | 1.06 |
| Economic Capital Ratio | 6.44 |
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.
