LILLESANDS SPAREBANK

4790 LILLESAND

Finances

Return on Equity

6,73 %

Current Ratio

1,32

Debt-to-Equity Ratio

1,27

Key figures (NOK)	2022	2021	2020	2019
Revenue	94 920 000	81 066 000	87 292 000	72 418 000
Net Income	35 292 000	24 900 000	34 249 000	24 931 000
Total Assets	3 814 571 000	3 752 271 000	3 635 401 000	3 637 100 000
Total Equity	524 617 000	501 311 000	483 106 000	424 079 000

Income (NOK)	2022	2021	2020	2019
Revenue	94 920 000	81 066 000	87 292 000	72 418 000
Expenditure	55 311 000	45 643 000	48 341 000	41 131 000
Operating Profit	39 609 000	35 423 000	38 951 000	31 288 000
Financial Income	0	0	0	0
Financial Costs	0	0	0	−1 716 000
Financial Balance	0	0	0	1 716 000
Earnings Before Tax	39 609 000	35 423 000	38 951 000	33 003 000
Tax	4 412 000	8 538 000	7 419 000	8 073 000
Net Income	35 292 000	24 900 000	34 249 000	24 931 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	366 564 000	365 514 000	315 291 000	208 762 000
Total Current Assets	3 448 007 000	3 386 757 000	3 320 110 000	3 428 338 000
Total Assets	3 814 571 000	3 752 271 000	3 635 401 000	3 637 100 000
Total Retained Equity	524 617 000	501 311 000	483 106 000	424 079 000
Total Equity	524 617 000	501 311 000	483 106 000	424 079 000
Total Long-Term Debt	668 036 000	717 294 000	778 712 000	765 050 000
Total Current Debt	2 621 918 000	2 533 666 000	2 373 582 000	2 447 972 000
Total Equity and Debt	3 814 571 000	3 752 271 000	3 635 400 000	3 637 100 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	67 375 000	56 542 000	54 695 000	57 079 000
Other Income	27 545 000	24 524 000	32 597 000	15 339 000
Revenue	94 920 000	81 066 000	87 292 000	72 418 000
Cost of Goods Sold	0	0	0	0
Salary Costs	26 396 000	22 843 000	22 168 000	34 479 000
Depreciation	1 276 000	1 275 000	1 161 000	1 147 000
Impairment	0	0	0	0
Expenditure	55 311 000	45 643 000	48 341 000	41 131 000
Operating Profit	39 609 000	35 423 000	38 951 000	31 288 000
Financial Income	0	0	0	0
Financial Costs	0	0	0	−1 716 000
Financial Balance	0	0	0	1 716 000
Dividends	0	0	0	0
Net Income	35 292 000	24 900 000	34 249 000	24 931 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	18 524 000	17 080 000	15 243 000	15 472 000
Machinery and Plant Facilities	982 000	1 985 000	3 026 000	3 241 000
Fixtures	6 859 000	6 758 000	8 503 000	5 475 000
Total Tangible Assets	26 365 000	25 823 000	26 772 000	24 189 000
Total Fiancial Fixed Assets	340 199 000	339 691 000	288 519 000	184 574 000
Total Fixed Assets	366 564 000	365 514 000	315 291 000	208 762 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	79 743 000	80 430 000	82 049 000	74 671 000
Total Current Assets	3 448 007 000	3 386 757 000	3 320 110 000	3 428 338 000
Total Assets	3 814 571 000	3 752 271 000	3 635 401 000	3 637 100 000
Total Equity	524 617 000	501 311 000	483 106 000	424 079 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	668 036 000	717 294 000	778 712 000	765 050 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	0	0	0	0
Total Current Debt	2 621 918 000	2 533 666 000	2 373 582 000	2 447 972 000
Total Equity and Debt	3 814 571 000	3 752 271 000	3 635 400 000	3 637 100 000

Financial indicators	2022	2021	2020	2019
Return on Equity	6,73 %	4,97 %	7,09 %	5,88 %
Debt-to-Equity Ratio	1,27	1,43	1,61	1,8
Operating Profit Margin	41,73 %	43,7 %	44,62 %	43,2 %
Current Ratio	1,32	1,34	1,4	1,4
Quick Ratio	1,32	1,34	1,4	1,4
Equity Ratio	0,14	0,13	0,13	0,12
Gross Profit Margin	100 %	100 %	100 %	100 %