JÆREN SPAREBANK

4340 BRYNE

Finances

Return on Equity

13,5 %

Current Ratio

1,11

Debt-to-Equity Ratio

0,13

Key figures (NOK)	2022	2021	2020	2019
Revenue	367 469 000	315 778 000	336 518 000	357 490 000
Net Income	311 356 000	163 401 000	147 748 000	155 395 000
Total Assets	16 710 190 000	15 887 670 000	15 134 849 000	14 514 509 000
Total Equity	2 306 657 000	2 105 291 000	1 982 878 000	1 887 863 000

Income (NOK)	2022	2021	2020	2019
Revenue	367 469 000	315 778 000	336 518 000	357 490 000
Expenditure	204 075 000	170 034 000	182 039 000	161 535 000
Operating Profit	216 402 000	187 274 000	154 479 000	195 955 000
Financial Income	0	0	0	0
Financial Costs	2 308 000	−2 393 000	−18 599 000	−743 000
Financial Balance	−2 308 000	2 393 000	18 599 000	743 000
Earnings Before Tax	214 094 000	189 667 000	173 078 000	196 698 000
Tax	−27 451 000	−38 426 000	25 330 000	41 303 000
Net Income	311 356 000	163 401 000	147 748 000	155 395 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	969 284 000	716 859 000	672 828 000	648 097 000
Total Current Assets	15 652 299 000	15 075 037 000	14 440 603 000	13 838 211 000
Total Assets	16 710 190 000	15 887 670 000	15 134 849 000	14 514 509 000
Total Retained Equity	1 653 145 000	1 453 014 000	1 331 346 000	1 236 878 000
Total Equity	2 306 657 000	2 105 291 000	1 982 878 000	1 887 863 000
Total Long-Term Debt	310 845 000	331 620 000	228 143 000	237 060 000
Total Current Debt	14 068 829 000	13 426 434 000	12 923 827 000	12 389 585 000
Total Equity and Debt	16 710 191 000	15 887 670 000	0	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	367 469 000	315 778 000	336 518 000	357 490 000
Cost of Goods Sold	0	0	0	0
Salary Costs	97 114 000	81 015 000	78 512 000	82 978 000
Depreciation	12 279 000	9 270 000	9 238 000	10 168 000
Impairment	0	3 649 000	0	0
Expenditure	204 075 000	170 034 000	182 039 000	161 535 000
Operating Profit	216 402 000	187 274 000	154 479 000	195 955 000
Financial Income	0	0	0	0
Financial Costs	2 308 000	−2 393 000	−18 599 000	−743 000
Financial Balance	−2 308 000	2 393 000	18 599 000	743 000
Dividends	0	0	0	0
Net Income	311 356 000	163 401 000	147 748 000	155 395 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	9 024 000	13 556 000	18 092 000	22 628 000
Real Eastate	0	0	23 075 000	24 358 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	1 989 000	1 610 000
Total Tangible Assets	81 687 000	82 812 000	44 175 000	47 334 000
Total Fiancial Fixed Assets	878 573 000	620 491 000	610 561 000	578 135 000
Total Fixed Assets	969 284 000	716 859 000	672 828 000	648 097 000
Stock	0	0	0	0
Total Investments	1 471 530 000	1 489 777 000	1 480 074 000	1 192 328 000
Cash, Bank	0	0	0	0
Total Current Assets	15 652 299 000	15 075 037 000	14 440 603 000	13 838 211 000
Total Assets	16 710 190 000	15 887 670 000	15 134 849 000	14 514 509 000
Total Equity	2 306 657 000	2 105 291 000	1 982 878 000	1 887 863 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	310 845 000	331 620 000	228 143 000	237 060 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	14 092 689 000	13 429 430 000	12 802 499 000	12 368 682 000
Total Current Debt	14 068 829 000	13 426 434 000	12 923 827 000	12 389 585 000
Total Equity and Debt	16 710 191 000	15 887 670 000	0	0

Financial indicators	2022	2021	2020	2019
Return on Equity	13,5 %	7,76 %	7,45 %	8,23 %
Debt-to-Equity Ratio	0,13	0,16	0,12	0,13
Operating Profit Margin	58,89 %	59,31 %	45,91 %	54,81 %
Current Ratio	1,11	1,12	1,12	1,12
Quick Ratio	1,11	1,12	1,12	1,12
Equity Ratio	0,14	0,13	0,13	0,13
Gross Profit Margin	100 %	100 %	100 %	100 %