LUSTER SPAREBANK

6868 GAUPNE

Finances

Return on Equity

7,41 %

Current Ratio

1,03

Debt-to-Equity Ratio

0,06

Key figures (NOK)	2022	2021	2020	2019
Revenue	102 564 000	86 543 000	92 486 000	89 390 000
Net Income	47 897 000	40 031 000	29 888 000	33 540 000
Total Assets	4 371 431 000	4 271 754 000	3 895 273 000	3 766 813 000
Total Equity	646 615 000	602 012 000	566 152 000	490 548 000

Income (NOK)	2022	2021	2020	2019
Revenue	102 564 000	86 543 000	92 486 000	89 390 000
Expenditure	47 368 000	40 878 000	39 597 000	42 543 000
Operating Profit	62 508 000	53 579 000	59 497 000	46 847 000
Financial Income	0	0	0	0
Financial Costs	4 719 000	3 475 000	18 993 000	3 511 000
Financial Balance	−4 719 000	−3 475 000	−18 993 000	−3 511 000
Earnings Before Tax	57 789 000	50 104 000	40 504 000	43 336 000
Tax	−11 857 000	−9 257 000	−10 326 000	9 796 000
Net Income	47 897 000	40 031 000	29 888 000	33 540 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	514 108 000	503 053 000	479 435 000	404 446 000
Total Current Assets	3 783 652 000	3 697 735 000	3 344 384 000	3 362 059 000
Total Assets	4 371 431 000	4 271 754 000	3 895 273 000	3 766 813 000
Total Retained Equity	646 615 000	602 012 000	566 152 000	490 548 000
Total Equity	646 615 000	602 012 000	566 152 000	490 548 000
Total Long-Term Debt	39 591 000	41 509 000	37 962 000	19 572 000
Total Current Debt	3 676 783 000	3 623 278 000	3 287 232 000	3 256 693 000
Total Equity and Debt	4 371 431 000	4 271 754 000	3 895 273 000	51 457 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	102 564 000	86 543 000	92 486 000	89 390 000
Cost of Goods Sold	0	0	0	0
Salary Costs	23 589 000	19 639 000	19 972 000	21 828 000
Depreciation	762 000	958 000	1 107 000	1 236 000
Impairment	0	0	0	0
Expenditure	47 368 000	40 878 000	39 597 000	42 543 000
Operating Profit	62 508 000	53 579 000	59 497 000	46 847 000
Financial Income	0	0	0	0
Financial Costs	4 719 000	3 475 000	18 993 000	3 511 000
Financial Balance	−4 719 000	−3 475 000	−18 993 000	−3 511 000
Dividends	0	0	0	0
Net Income	47 897 000	40 031 000	29 888 000	33 540 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	21 000	133 000	6 789 000
Real Eastate	0	0	0	2 745 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	2 176 000
Total Tangible Assets	7 515 000	7 742 000	7 573 000	4 921 000
Total Fiancial Fixed Assets	506 593 000	495 290 000	471 729 000	392 736 000
Total Fixed Assets	514 108 000	503 053 000	479 435 000	404 446 000
Stock	0	0	0	0
Total Investments	3 002 000	0	0	8 318 000
Cash, Bank	0	0	0	0
Total Current Assets	3 783 652 000	3 697 735 000	3 344 384 000	3 362 059 000
Total Assets	4 371 431 000	4 271 754 000	3 895 273 000	3 766 813 000
Total Equity	646 615 000	602 012 000	566 152 000	490 548 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	39 591 000	41 509 000	37 962 000	19 572 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	3 539 216 000	3 432 828 000	3 226 098 000	3 136 693 000
Total Current Debt	3 676 783 000	3 623 278 000	3 287 232 000	3 256 693 000
Total Equity and Debt	4 371 431 000	4 271 754 000	3 895 273 000	51 457 000

Financial indicators	2022	2021	2020	2019
Return on Equity	7,41 %	6,65 %	5,28 %	6,84 %
Debt-to-Equity Ratio	0,06	0,07	0,07	0,04
Operating Profit Margin	60,95 %	61,91 %	64,33 %	52,41 %
Current Ratio	1,03	1,02	1,02	1,03
Quick Ratio	1,03	1,02	1,02	1,03
Equity Ratio	0,15	0,14	0,15	0,13
Gross Profit Margin	100 %	100 %	100 %	100 %