MARKER SPAREBANK

1870 ØRJE

Finances

Return on Equity

11,54 %

Current Ratio

1,14

Debt-to-Equity Ratio

0,03

Key figures (NOK)	2022	2021	2020	2019
Revenue	151 075 000	129 078 000	126 009 000	133 775 000
Net Income	105 487 000	63 083 000	50 941 000	55 733 000
Total Assets	5 304 465 000	5 097 803 000	4 888 866 000	4 827 542 000
Total Equity	914 172 000	811 683 000	751 601 000	652 148 000

Income (NOK)	2022	2021	2020	2019
Revenue	151 075 000	129 078 000	126 009 000	133 775 000
Expenditure	76 266 000	67 207 000	73 049 000	58 988 000
Operating Profit	87 087 000	71 749 000	64 058 000	74 787 000
Financial Income	0	0	0	0
Financial Costs	1 971 000	−4 287 000	5 734 000	1 499 000
Financial Balance	−1 971 000	4 287 000	−5 734 000	−1 499 000
Earnings Before Tax	85 116 000	76 036 000	58 324 000	73 288 000
Tax	−18 861 000	−16 805 000	−12 243 000	17 555 000
Net Income	105 487 000	63 083 000	50 941 000	55 733 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	308 937 000	242 392 000	235 979 000	180 814 000
Total Current Assets	4 903 977 000	4 846 389 000	4 647 328 000	4 646 728 000
Total Assets	5 304 465 000	5 097 803 000	4 888 866 000	4 827 542 000
Total Retained Equity	914 172 000	811 683 000	751 601 000	652 148 000
Total Equity	914 172 000	811 683 000	751 601 000	652 148 000
Total Long-Term Debt	30 034 000	28 509 000	23 617 000	7 799 000
Total Current Debt	4 317 655 000	4 217 771 000	4 073 271 000	4 167 595 000
Total Equity and Debt	5 304 464 000	5 097 802 000	4 888 866 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	151 075 000	129 078 000	126 009 000	133 775 000
Cost of Goods Sold	0	0	0	0
Salary Costs	29 055 000	27 153 000	25 784 000	26 518 000
Depreciation	2 965 000	2 848 000	2 283 000	1 788 000
Impairment	0	0	0	0
Expenditure	76 266 000	67 207 000	73 049 000	58 988 000
Operating Profit	87 087 000	71 749 000	64 058 000	74 787 000
Financial Income	0	0	0	0
Financial Costs	1 971 000	−4 287 000	5 734 000	1 499 000
Financial Balance	−1 971 000	4 287 000	−5 734 000	−1 499 000
Dividends	0	0	0	0
Net Income	105 487 000	63 083 000	50 941 000	55 733 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	2 962 000
Real Eastate	0	0	0	18 195 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	2 408 000
Total Tangible Assets	38 446 000	37 132 000	36 520 000	20 603 000
Total Fiancial Fixed Assets	270 491 000	205 260 000	199 459 000	157 249 000
Total Fixed Assets	308 937 000	242 392 000	235 979 000	180 814 000
Stock	0	0	0	0
Total Investments	429 157 000	435 621 000	391 453 000	356 891 000
Cash, Bank	0	0	0	0
Total Current Assets	4 903 977 000	4 846 389 000	4 647 328 000	4 646 728 000
Total Assets	5 304 465 000	5 097 803 000	4 888 866 000	4 827 542 000
Total Equity	914 172 000	811 683 000	751 601 000	652 148 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	30 034 000	28 509 000	23 617 000	7 799 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	4 360 221 000	4 207 169 000	4 063 231 000	4 012 244 000
Total Current Debt	4 317 655 000	4 217 771 000	4 073 271 000	4 167 595 000
Total Equity and Debt	5 304 464 000	5 097 802 000	4 888 866 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	11,54 %	7,77 %	6,78 %	8,55 %
Debt-to-Equity Ratio	0,03	0,04	0,03	0,01
Operating Profit Margin	57,64 %	55,59 %	50,84 %	55,91 %
Current Ratio	1,14	1,15	1,14	1,11
Quick Ratio	1,14	1,15	1,14	1,11
Equity Ratio	0,17	0,16	0,15	0,14
Gross Profit Margin	100 %	100 %	100 %	100 %