HJARTDAL OG GRANSHERAD SPAREBANK

3692 SAULAND

Finances

Return on Equity

13,43 %

Current Ratio

1,1

Debt-to-Equity Ratio

0,09

Key figures (NOK)	2022	2021	2020	2019
Revenue	108 900 000	86 396 000	90 818 000	99 979 000
Net Income	81 350 000	38 844 000	36 131 000	36 789 000
Total Assets	4 475 583 000	4 167 124 000	3 984 097 000	3 818 997 000
Total Equity	605 531 000	501 117 000	466 198 000	395 111 000

Income (NOK)	2022	2021	2020	2019
Revenue	108 900 000	86 396 000	90 818 000	99 979 000
Expenditure	60 076 000	53 766 000	59 090 000	48 173 000
Operating Profit	59 241 000	41 208 000	41 056 000	51 806 000
Financial Income	0	0	0	0
Financial Costs	37 000	−1 745 000	5 477 000	4 292 000
Financial Balance	−37 000	1 745 000	−5 477 000	−4 292 000
Earnings Before Tax	59 204 000	42 953 000	35 579 000	47 514 000
Tax	−12 107 000	−8 001 000	−5 648 000	10 725 000
Net Income	81 350 000	38 844 000	36 131 000	36 789 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	277 304 000	234 611 000	235 088 000	139 321 000
Total Current Assets	4 167 687 000	3 927 449 000	3 742 567 000	3 679 676 000
Total Assets	4 475 583 000	4 167 124 000	3 984 097 000	3 818 997 000
Total Retained Equity	535 135 000	460 721 000	425 802 000	354 715 000
Total Equity	605 531 000	501 117 000	466 198 000	395 111 000
Total Long-Term Debt	56 364 000	52 602 000	49 178 000	71 148 000
Total Current Debt	3 791 297 000	3 561 621 000	3 419 099 000	3 352 739 000
Total Equity and Debt	4 475 583 000	4 167 123 000	3 984 097 000	10 329 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	108 900 000	86 396 000	90 818 000	99 979 000
Cost of Goods Sold	0	0	0	0
Salary Costs	29 351 000	25 781 000	24 248 000	22 252 000
Depreciation	1 432 000	1 294 000	1 422 000	1 114 000
Impairment	0	0	0	0
Expenditure	60 076 000	53 766 000	59 090 000	48 173 000
Operating Profit	59 241 000	41 208 000	41 056 000	51 806 000
Financial Income	0	0	0	0
Financial Costs	37 000	−1 745 000	5 477 000	4 292 000
Financial Balance	−37 000	1 745 000	−5 477 000	−4 292 000
Dividends	0	0	0	0
Net Income	81 350 000	38 844 000	36 131 000	36 789 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	364 000
Real Eastate	0	0	0	6 922 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	527 000
Total Tangible Assets	28 550 000	28 640 000	28 120 000	7 449 000
Total Fiancial Fixed Assets	248 754 000	205 971 000	206 968 000	131 508 000
Total Fixed Assets	277 304 000	234 611 000	235 088 000	139 321 000
Stock	0	0	0	0
Total Investments	503 304 000	526 565 000	521 329 000	417 875 000
Cash, Bank	0	0	0	0
Total Current Assets	4 167 687 000	3 927 449 000	3 742 567 000	3 679 676 000
Total Assets	4 475 583 000	4 167 124 000	3 984 097 000	3 818 997 000
Total Equity	605 531 000	501 117 000	466 198 000	395 111 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	56 364 000	52 602 000	49 178 000	71 148 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	3 748 919 000	3 589 497 000	3 465 045 000	3 352 514 000
Total Current Debt	3 791 297 000	3 561 621 000	3 419 099 000	3 352 739 000
Total Equity and Debt	4 475 583 000	4 167 123 000	3 984 097 000	10 329 000

Financial indicators	2022	2021	2020	2019
Return on Equity	13,43 %	7,75 %	7,75 %	9,31 %
Debt-to-Equity Ratio	0,09	0,1	0,11	0,18
Operating Profit Margin	54,4 %	47,7 %	45,21 %	51,82 %
Current Ratio	1,1	1,1	1,09	1,1
Quick Ratio	1,1	1,1	1,09	1,1
Equity Ratio	0,14	0,12	0,12	0,1
Gross Profit Margin	100 %	100 %	100 %	100 %