ROMERIKE SPAREBANK

2000 LILLESTRØM

Finances

Return on Equity

10,37 %

Current Ratio

1,12

Debt-to-Equity Ratio

0,12

Key figures (NOK)	2022	2021	2020	2019
Revenue	264 714 000	208 801 000	187 764 000	190 903 000
Net Income	205 462 000	114 788 000	83 651 000	94 137 000
Total Assets	15 353 666 000	11 181 794 000	9 828 714 000	8 688 412 000
Total Equity	1 981 661 000	1 221 476 000	1 121 794 000	881 687 000

Income (NOK)	2022	2021	2020	2019
Revenue	264 714 000	208 801 000	187 764 000	190 903 000
Expenditure	138 672 000	105 301 000	108 712 000	89 432 000
Operating Profit	150 521 000	123 158 000	98 631 000	101 471 000
Financial Income	0	0	0	0
Financial Costs	4 434 000	−14 206 000	12 652 000	−21 168 000
Financial Balance	−4 434 000	14 206 000	−12 652 000	21 168 000
Earnings Before Tax	146 087 000	137 364 000	85 979 000	122 639 000
Tax	−27 408 000	−29 411 000	−16 213 000	28 502 000
Net Income	205 462 000	114 788 000	83 651 000	94 137 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	624 255 000	349 934 000	294 765 000	181 169 000
Total Current Assets	14 652 011 000	10 828 655 000	9 530 258 000	8 507 243 000
Total Assets	15 353 666 000	11 181 794 000	9 828 714 000	8 688 412 000
Total Retained Equity	1 584 731 000	1 045 226 000	945 544 000	780 437 000
Total Equity	1 981 661 000	1 221 476 000	1 121 794 000	881 687 000
Total Long-Term Debt	237 174 000	184 896 000	69 698 000	156 006 000
Total Current Debt	13 075 256 000	9 734 033 000	8 593 417 000	7 650 720 000
Total Equity and Debt	15 353 667 000	11 181 792 000	9 828 715 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	264 714 000	208 801 000	187 764 000	190 903 000
Cost of Goods Sold	0	0	0	0
Salary Costs	67 303 000	53 019 000	49 675 000	46 994 000
Depreciation	4 560 000	3 877 000	186 000	218 000
Impairment	0	0	0	0
Expenditure	138 672 000	105 301 000	108 712 000	89 432 000
Operating Profit	150 521 000	123 158 000	98 631 000	101 471 000
Financial Income	0	0	0	0
Financial Costs	4 434 000	−14 206 000	12 652 000	−21 168 000
Financial Balance	−4 434 000	14 206 000	−12 652 000	21 168 000
Dividends	0	0	0	0
Net Income	205 462 000	114 788 000	83 651 000	94 137 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	670 000
Total Tangible Assets	29 741 000	11 609 000	485 000	670 000
Total Fiancial Fixed Assets	594 514 000	338 325 000	294 280 000	180 499 000
Total Fixed Assets	624 255 000	349 934 000	294 765 000	181 169 000
Stock	0	0	0	0
Total Investments	1 690 067 000	1 197 949 000	954 271 000	718 124 000
Cash, Bank	0	0	0	0
Total Current Assets	14 652 011 000	10 828 655 000	9 530 258 000	8 507 243 000
Total Assets	15 353 666 000	11 181 794 000	9 828 714 000	8 688 412 000
Total Equity	1 981 661 000	1 221 476 000	1 121 794 000	881 687 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	237 174 000	184 896 000	69 698 000	156 006 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	13 090 766 000	9 716 448 000	8 590 890 000	7 579 700 000
Total Current Debt	13 075 256 000	9 734 033 000	8 593 417 000	7 650 720 000
Total Equity and Debt	15 353 667 000	11 181 792 000	9 828 715 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	10,37 %	9,4 %	7,46 %	10,68 %
Debt-to-Equity Ratio	0,12	0,15	0,06	0,18
Operating Profit Margin	56,86 %	58,98 %	52,53 %	53,15 %
Current Ratio	1,12	1,11	1,11	1,11
Quick Ratio	1,12	1,11	1,11	1,11
Equity Ratio	0,13	0,11	0,11	0,1
Gross Profit Margin	100 %	100 %	100 %	100 %