AGDER SPAREBANK

4836 ARENDAL

Finances

Return on Equity

7,98 %

Current Ratio

1,08

Debt-to-Equity Ratio

0,08

Key figures (NOK)	2022	2021	2020	2019
Revenue	140 669 000	78 540 000	72 769 000	74 287 000
Net Income	72 969 000	29 558 000	26 132 000	22 214 000
Total Assets	7 142 792 000	3 002 182 000	2 755 196 000	2 518 079 000
Total Equity	914 948 000	365 581 000	340 324 000	280 324 000

Income (NOK)	2022	2021	2020	2019
Revenue	140 669 000	78 540 000	72 769 000	74 287 000
Expenditure	110 351 000	51 798 000	50 334 000	43 268 000
Operating Profit	39 565 000	33 924 000	29 863 000	31 019 000
Financial Income	0	0	0	0
Financial Costs	1 017 000	−10 000	5 960 000	1 589 000
Financial Balance	−1 017 000	10 000	−5 960 000	−1 589 000
Earnings Before Tax	38 548 000	33 934 000	23 903 000	29 430 000
Tax	−7 445 000	−6 717 000	−3 169 000	7 216 000
Net Income	72 969 000	29 558 000	26 132 000	22 214 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	491 230 000	217 132 000	204 083 000	121 792 000
Total Current Assets	6 574 458 000	2 778 493 000	2 542 379 000	2 394 798 000
Total Assets	7 142 792 000	3 002 182 000	2 755 196 000	2 518 079 000
Total Retained Equity	849 948 000	300 581 000	275 324 000	240 324 000
Total Equity	914 948 000	365 581 000	340 324 000	280 324 000
Total Long-Term Debt	72 701 000	42 250 000	37 763 000	65 114 000
Total Current Debt	6 109 934 000	2 575 940 000	2 363 327 000	2 172 641 000
Total Equity and Debt	7 142 792 000	3 002 182 000	2 755 196 000	26 210 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	140 669 000	78 540 000	72 769 000	74 287 000
Cost of Goods Sold	0	0	0	0
Salary Costs	40 012 000	23 610 000	21 743 000	21 206 000
Depreciation	1 917 000	1 113 000	921 000	1 250 000
Impairment	0	0	0	0
Expenditure	110 351 000	51 798 000	50 334 000	43 268 000
Operating Profit	39 565 000	33 924 000	29 863 000	31 019 000
Financial Income	0	0	0	0
Financial Costs	1 017 000	−10 000	5 960 000	1 589 000
Financial Balance	−1 017 000	10 000	−5 960 000	−1 589 000
Dividends	0	0	0	0
Net Income	72 969 000	29 558 000	26 132 000	22 214 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	457 000
Real Eastate	0	0	0	16 600 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	672 000
Total Tangible Assets	75 378 000	17 589 000	17 029 000	17 272 000
Total Fiancial Fixed Assets	415 852 000	199 543 000	187 054 000	104 063 000
Total Fixed Assets	491 230 000	217 132 000	204 083 000	121 792 000
Stock	0	0	0	0
Total Investments	678 774 000	271 589 000	246 386 000	165 231 000
Cash, Bank	0	0	0	0
Total Current Assets	6 574 458 000	2 778 493 000	2 542 379 000	2 394 798 000
Total Assets	7 142 792 000	3 002 182 000	2 755 196 000	2 518 079 000
Total Equity	914 948 000	365 581 000	340 324 000	280 324 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	72 701 000	42 250 000	37 763 000	65 114 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	6 037 863 000	2 563 205 000	2 364 240 000	2 172 466 000
Total Current Debt	6 109 934 000	2 575 940 000	2 363 327 000	2 172 641 000
Total Equity and Debt	7 142 792 000	3 002 182 000	2 755 196 000	26 210 000

Financial indicators	2022	2021	2020	2019
Return on Equity	7,98 %	8,09 %	7,68 %	7,92 %
Debt-to-Equity Ratio	0,08	0,12	0,11	0,23
Operating Profit Margin	28,13 %	43,19 %	41,04 %	41,76 %
Current Ratio	1,08	1,08	1,08	1,1
Quick Ratio	1,08	1,08	1,08	1,1
Equity Ratio	0,13	0,12	0,12	0,11
Gross Profit Margin	100 %	100 %	100 %	100 %