SPAREBANK 1 BYGGET STEINKJER AS

7011 TRONDHEIM

Finances

Share Ownership

Return on Equity

2,41 %

Current Ratio

19,69

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	3 358 000	3 600 000	3 545 000	3 545 000
Net Income	859 000	772 000	762 000	1 438 000
Total Assets	36 150 000	36 152 000	37 608 000	49 893 000
Total Equity	35 674 000	35 587 000	35 577 000	36 253 000

Income (NOK)	2022	2021	2020	2019
Revenue	3 358 000	3 600 000	3 545 000	3 545 000
Expenditure	2 468 000	2 698 000	2 809 000	2 110 000
Operating Profit	890 000	901 000	736 000	1 435 000
Financial Income	211 000	88 000	241 000	408 000
Financial Costs	0	0	0	0
Financial Balance	211 000	88 000	241 000	408 000
Earnings Before Tax	1 101 000	989 000	977 000	1 843 000
Tax	242 000	218 000	215 000	405 000
Net Income	859 000	772 000	762 000	1 438 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	26 776 000	28 186 000	29 931 000	31 686 000
Total Current Assets	9 374 000	7 966 000	7 676 000	18 207 000
Total Assets	36 150 000	36 152 000	37 608 000	49 893 000
Total Retained Equity	−1 326 000	−1 413 000	−1 423 000	−747 000
Total Equity	35 674 000	35 587 000	35 577 000	36 253 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	476 000	566 000	2 031 000	13 640 000
Total Equity and Debt	36 150 000	36 152 000	37 608 000	49 893 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	2 998 000	3 240 000	3 185 000	3 185 000
Other Income	360 000	360 000	360 000	360 000
Revenue	3 358 000	3 600 000	3 545 000	3 545 000
Cost of Goods Sold	361 000	381 000	370 000	360 000
Salary Costs	0	0	0	0
Depreciation	1 677 000	1 945 000	1 940 000	1 516 000
Impairment	0	0	0	0
Expenditure	2 468 000	2 698 000	2 809 000	2 110 000
Operating Profit	890 000	901 000	736 000	1 435 000
Financial Income	211 000	88 000	241 000	408 000
Financial Costs	0	0	0	0
Financial Balance	211 000	88 000	241 000	408 000
Dividends	0	0	0	0
Net Income	859 000	772 000	762 000	1 438 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	1 432 000	1 281 000	1 081 000	896 000
Real Eastate	25 336 000	26 872 000	28 787 000	30 702 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	8 000	33 000	63 000	88 000
Total Tangible Assets	25 344 000	26 905 000	28 850 000	30 790 000
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	26 776 000	28 186 000	29 931 000	31 686 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	9 357 000	7 958 000	7 659 000	17 882 000
Total Current Assets	9 374 000	7 966 000	7 676 000	18 207 000
Total Assets	36 150 000	36 152 000	37 608 000	49 893 000
Total Equity	35 674 000	35 587 000	35 577 000	36 253 000
Short-Term Group Debt	48 000	34 000	1 438 000	13 000 000
Total Long-Term Debt	0	0	0	0
Creditors	15 000	98 000	186 000	147 000
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	20 000	16 000	7 000	32 000
Total Current Debt	476 000	566 000	2 031 000	13 640 000
Total Equity and Debt	36 150 000	36 152 000	37 608 000	49 893 000

Financial indicators	2022	2021	2020	2019
Return on Equity	2,41 %	2,17 %	2,14 %	3,97 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	26,5 %	25,03 %	20,76 %	40,48 %
Current Ratio	19,69	14,07	3,78	1,33
Quick Ratio	19,69	14,07	3,78	1,33
Equity Ratio	0,99	0,98	0,95	0,73
Gross Profit Margin	89,25 %	89,42 %	89,56 %	89,84 %