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 | 135,689 |
| Cash Deposits and Cash Equivalents | 194,776 |
| Deposits | 1,924,140 |
| Fees | 3,196 |
| Goodwill | 0 |
| IT and Equipment Expense | 5,836 |
| Labor Expense | 29,182 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 2,146,209 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 5.20 |
| Liabilities | 2.52 |
| ECR before LimitedLiability | 2.12 |
| Other Liabilities | -46.6 |
| Liabilities and Borrowings | 13.8 |
| Cash Deposits and Cash Equivalents | 1.95 |
| Assets | -2.32 |
| Other Assets | -5.41 |
| Assets and Securities | -7.57 |
| Loans and Leases Receivable | 9.49 |
| Goodwill | -1.05 |
| Expenses | -2.61 |
| Net Income | 2.25 |
| Labor Expense | -1.65 |
| Other Expenses | -0.672 |
| Other Revenues | -1.20 |
| Revenues | -1.20 |
| Comprehensive Net Income | 1.28 |
| Other Compr. Net Income | -0.983 |
| Other Net Income | 5.75 |
| Economic Capital Ratio | 1.28 |
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.
