ASKIM & SPYDEBERG SPAREBANK

1830 ASKIM

Finances

Return on Equity

9,82 %

Current Ratio

1,13

Debt-to-Equity Ratio

0,1

Key figures (NOK)	2022	2021	2020	2019
Revenue	304 882 000	283 379 000	295 777 000	275 730 000
Net Income	159 572 000	106 674 000	123 473 000	105 533 000
Total Assets	12 083 509 000	11 059 756 000	9 796 545 000	9 200 375 000
Total Equity	1 624 779 000	1 400 418 000	1 426 776 000	1 078 511 000

Income (NOK)	2022	2021	2020	2019
Revenue	304 882 000	283 379 000	295 777 000	275 730 000
Expenditure	129 766 000	132 407 000	112 148 000	111 490 000
Operating Profit	184 123 000	172 551 000	183 629 000	164 240 000
Financial Income	0	0	0	0
Financial Costs	−7 511 000	45 688 000	25 568 000	28 559 000
Financial Balance	7 511 000	−45 688 000	−25 568 000	−28 559 000
Earnings Before Tax	191 634 000	126 863 000	158 061 000	135 681 000
Tax	−42 134 000	−27 176 000	34 588 000	30 148 000
Net Income	159 572 000	106 674 000	123 473 000	105 533 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	476 642 000	511 910 000	454 563 000	353 756 000
Total Current Assets	11 594 968 000	10 536 791 000	9 341 731 000	8 846 368 000
Total Assets	12 083 509 000	11 059 756 000	9 796 545 000	9 200 375 000
Total Retained Equity	880 732 000	746 371 000	682 729 000	424 464 000
Total Equity	1 624 779 000	1 400 418 000	1 426 776 000	1 078 511 000
Total Long-Term Debt	167 288 000	171 958 000	127 017 000	220 968 000
Total Current Debt	10 251 045 000	9 365 250 000	8 242 751 000	7 900 896 000
Total Equity and Debt	12 083 509 000	11 059 757 000	545 301 000	415 250 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	304 882 000	283 379 000	295 777 000	275 730 000
Cost of Goods Sold	0	0	0	0
Salary Costs	46 193 000	56 696 000	52 472 000	56 716 000
Depreciation	5 231 000	5 244 000	3 781 000	2 008 000
Impairment	0	−2 060 000	0	0
Expenditure	129 766 000	132 407 000	112 148 000	111 490 000
Operating Profit	184 123 000	172 551 000	183 629 000	164 240 000
Financial Income	0	0	0	0
Financial Costs	−7 511 000	45 688 000	25 568 000	28 559 000
Financial Balance	7 511 000	−45 688 000	−25 568 000	−28 559 000
Dividends	0	0	0	0
Net Income	159 572 000	106 674 000	123 473 000	105 533 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	−706 000
Total Intangible Assets	0	0	3 166 000	2 736 000
Real Eastate	0	0	46 419 000	49 667 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	2 535 000	3 640 000
Total Tangible Assets	44 448 000	49 679 000	48 954 000	53 307 000
Total Fiancial Fixed Assets	432 194 000	462 231 000	402 443 000	297 713 000
Total Fixed Assets	476 642 000	511 910 000	454 563 000	353 756 000
Stock	0	0	0	0
Total Investments	1 419 574 000	1 020 257 000	865 154 000	815 302 000
Cash, Bank	0	0	0	0
Total Current Assets	11 594 968 000	10 536 791 000	9 341 731 000	8 846 368 000
Total Assets	12 083 509 000	11 059 756 000	9 796 545 000	9 200 375 000
Total Equity	1 624 779 000	1 400 418 000	1 426 776 000	1 078 511 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	167 288 000	171 958 000	127 017 000	220 968 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	10 282 923 000	9 478 129 000	8 184 130 000	7 892 623 000
Total Current Debt	10 251 045 000	9 365 250 000	8 242 751 000	7 900 896 000
Total Equity and Debt	12 083 509 000	11 059 757 000	545 301 000	415 250 000

Financial indicators	2022	2021	2020	2019
Return on Equity	9,82 %	7,62 %	8,65 %	9,79 %
Debt-to-Equity Ratio	0,1	0,12	0,09	0,2
Operating Profit Margin	60,39 %	60,89 %	62,08 %	59,57 %
Current Ratio	1,13	1,13	1,13	1,12
Quick Ratio	1,13	1,13	1,13	1,12
Equity Ratio	0,13	0,13	0,15	0,12
Gross Profit Margin	100 %	100 %	100 %	100 %