BERG SPAREBANK

1771 HALDEN

Finances

Return on Equity

13,04 %

Current Ratio

1,11

Debt-to-Equity Ratio

0,12

Key figures (NOK)	2022	2021	2020	2019
Revenue	104 819 000	97 318 000	94 850 000	111 884 000
Net Income	88 226 000	50 015 000	44 914 000	48 466 000
Total Assets	3 932 656 000	3 894 300 000	3 710 709 000	3 549 178 000
Total Equity	676 605 000	595 018 000	550 673 000	450 869 000

Income (NOK)	2022	2021	2020	2019
Revenue	104 819 000	97 318 000	94 850 000	111 884 000
Expenditure	58 900 000	52 927 000	59 994 000	49 824 000
Operating Profit	60 146 000	56 817 000	49 047 000	62 060 000
Financial Income	0	0	0	0
Financial Costs	2 685 000	2 110 000	1 347 000	254 000
Financial Balance	−2 685 000	−2 110 000	−1 347 000	−254 000
Earnings Before Tax	57 461 000	54 707 000	47 700 000	61 806 000
Tax	−11 958 000	−10 182 000	−8 410 000	13 340 000
Net Income	88 226 000	50 015 000	44 914 000	48 466 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	352 509 000	303 347 000	391 659 000	287 785 000
Total Current Assets	3 506 465 000	3 587 649 000	3 313 996 000	3 261 393 000
Total Assets	3 932 656 000	3 894 300 000	3 710 709 000	3 549 178 000
Total Retained Equity	676 605 000	595 018 000	550 673 000	450 869 000
Total Equity	676 605 000	595 018 000	550 673 000	450 869 000
Total Long-Term Debt	82 298 000	84 623 000	60 408 000	48 371 000
Total Current Debt	3 147 207 000	3 189 382 000	3 074 170 000	3 049 938 000
Total Equity and Debt	3 932 655 000	3 894 300 000	3 710 710 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	104 819 000	97 318 000	94 850 000	111 884 000
Cost of Goods Sold	0	0	0	0
Salary Costs	23 891 000	21 959 000	21 144 000	22 592 000
Depreciation	3 022 000	3 570 000	916 000	1 028 000
Impairment	0	0	0	0
Expenditure	58 900 000	52 927 000	59 994 000	49 824 000
Operating Profit	60 146 000	56 817 000	49 047 000	62 060 000
Financial Income	0	0	0	0
Financial Costs	2 685 000	2 110 000	1 347 000	254 000
Financial Balance	−2 685 000	−2 110 000	−1 347 000	−254 000
Dividends	0	0	0	0
Net Income	88 226 000	50 015 000	44 914 000	48 466 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	3 275 000
Real Eastate	0	0	0	4 488 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	2 293 000
Total Tangible Assets	25 723 000	30 161 000	7 399 000	6 781 000
Total Fiancial Fixed Assets	326 786 000	273 186 000	384 260 000	277 729 000
Total Fixed Assets	352 509 000	303 347 000	391 659 000	287 785 000
Stock	0	0	0	0
Total Investments	275 202 000	267 750 000	379 458 000	209 821 000
Cash, Bank	0	0	0	0
Total Current Assets	3 506 465 000	3 587 649 000	3 313 996 000	3 261 393 000
Total Assets	3 932 656 000	3 894 300 000	3 710 709 000	3 549 178 000
Total Equity	676 605 000	595 018 000	550 673 000	450 869 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	82 298 000	84 623 000	60 408 000	48 371 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	3 173 752 000	3 114 445 000	2 949 367 000	2 849 938 000
Total Current Debt	3 147 207 000	3 189 382 000	3 074 170 000	3 049 938 000
Total Equity and Debt	3 932 655 000	3 894 300 000	3 710 710 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	13,04 %	8,41 %	8,16 %	10,75 %
Debt-to-Equity Ratio	0,12	0,14	0,11	0,11
Operating Profit Margin	57,38 %	58,38 %	51,71 %	55,47 %
Current Ratio	1,11	1,12	1,08	1,07
Quick Ratio	1,11	1,12	1,08	1,07
Equity Ratio	0,17	0,15	0,15	0,13
Gross Profit Margin	100 %	100 %	100 %	100 %