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 | 1,574,913 |
| Cash Deposits and Cash Equivalents | 629,063 |
| Deposits | 10,338,195 |
| Fees | 0 |
| Goodwill | 404,452 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 4,348,385 |
| Loans and Leases Receivable | 9,553,596 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -9.09 |
| Liabilities | -2.85 |
| Stockholders Equity | 2.33 |
| ECR before LimitedLiability | 2.07 |
| Other Liabilities | 5.77 |
| Liabilities and Borrowings | -0.905 |
| Assets | 4.49 |
| Other Assets | -6.29 |
| Assets and Securities | -1.44 |
| Loans and Leases Receivable | 9.60 |
| Goodwill | 1.46 |
| Other Noninterest Expense | 0.526 |
| Expenses | 4.53 |
| IT and Equipment Expense | 0.600 |
| Labor Expense | 2.41 |
| Other Expenses | 0.503 |
| Other Revenues | -1.43 |
| Revenues | -1.43 |
| Economic Capital Ratio | 1.22 |
| Other Net Income | -2.80 |
| Other Compr. Net Income | -0.791 |
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.
