TOLGA-OS SPAREBANK

2540 TOLGA

Finances

Return on Equity

7,69 %

Current Ratio

1,12

Debt-to-Equity Ratio

0,09

Key figures (NOK)	2022	2021	2020	2019
Revenue	123 998 000	114 885 000	102 005 000	111 874 000
Net Income	50 364 000	48 513 000	63 655 000	49 031 000
Total Assets	5 448 022 000	4 890 236 000	4 577 084 000	3 972 124 000
Total Equity	655 199 000	609 346 000	563 974 000	452 439 000

Income (NOK)	2022	2021	2020	2019
Revenue	123 998 000	114 885 000	102 005 000	111 874 000
Expenditure	59 665 000	60 594 000	53 499 000	45 593 000
Operating Profit	67 981 000	60 318 000	56 347 000	66 281 000
Financial Income	0	0	0	0
Financial Costs	8 025 000	2 827 000	8 370 000	2 081 000
Financial Balance	−8 025 000	−2 827 000	−8 370 000	−2 081 000
Earnings Before Tax	59 956 000	57 491 000	47 977 000	64 200 000
Tax	−13 420 000	−12 544 000	−10 944 000	15 169 000
Net Income	50 364 000	48 513 000	63 655 000	49 031 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	133 731 000	154 775 000	179 069 000	152 958 000
Total Current Assets	5 271 441 000	4 691 980 000	4 391 263 000	3 818 566 000
Total Assets	5 448 022 000	4 890 236 000	4 577 084 000	3 972 124 000
Total Retained Equity	590 199 000	544 346 000	498 974 000	412 439 000
Total Equity	655 199 000	609 346 000	563 974 000	452 439 000
Total Long-Term Debt	59 095 000	58 270 000	52 786 000	67 544 000
Total Current Debt	4 720 825 000	4 209 539 000	3 943 737 000	3 452 141 000
Total Equity and Debt	5 448 021 000	4 890 236 000	4 577 084 000	96 314 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	123 998 000	114 885 000	102 005 000	111 874 000
Cost of Goods Sold	0	0	0	0
Salary Costs	30 143 000	25 286 000	23 239 000	20 306 000
Depreciation	1 568 000	1 463 000	1 148 000	1 569 000
Impairment	0	0	0	0
Expenditure	59 665 000	60 594 000	53 499 000	45 593 000
Operating Profit	67 981 000	60 318 000	56 347 000	66 281 000
Financial Income	0	0	0	0
Financial Costs	8 025 000	2 827 000	8 370 000	2 081 000
Financial Balance	−8 025 000	−2 827 000	−8 370 000	−2 081 000
Dividends	0	0	0	0
Net Income	50 364 000	48 513 000	63 655 000	49 031 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	13 418 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	1 066 000
Total Tangible Assets	17 418 000	16 812 000	13 562 000	14 484 000
Total Fiancial Fixed Assets	116 313 000	137 963 000	165 507 000	138 474 000
Total Fixed Assets	133 731 000	154 775 000	179 069 000	152 958 000
Stock	0	0	0	0
Total Investments	541 239 000	536 256 000	480 781 000	192 383 000
Cash, Bank	0	0	0	0
Total Current Assets	5 271 441 000	4 691 980 000	4 391 263 000	3 818 566 000
Total Assets	5 448 022 000	4 890 236 000	4 577 084 000	3 972 124 000
Total Equity	655 199 000	609 346 000	563 974 000	452 439 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	59 095 000	58 270 000	52 786 000	67 544 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	4 727 636 000	4 216 605 000	3 900 161 000	3 452 141 000
Total Current Debt	4 720 825 000	4 209 539 000	3 943 737 000	3 452 141 000
Total Equity and Debt	5 448 021 000	4 890 236 000	4 577 084 000	96 314 000

Financial indicators	2022	2021	2020	2019
Return on Equity	7,69 %	7,96 %	11,29 %	10,84 %
Debt-to-Equity Ratio	0,09	0,1	0,09	0,15
Operating Profit Margin	54,82 %	52,5 %	55,24 %	59,25 %
Current Ratio	1,12	1,11	1,11	1,11
Quick Ratio	1,12	1,11	1,11	1,11
Equity Ratio	0,12	0,12	0,12	0,11
Gross Profit Margin	100 %	100 %	100 %	100 %