ROMSDAL SPAREBANK

6440 ELNESVÅGEN

Finances

Return on Equity

11,77 %

Current Ratio

1,09

Debt-to-Equity Ratio

0,08

Key figures (NOK)	2022	2021	2020	2019
Revenue	173 086 000	153 637 000	137 752 000	143 708 000
Net Income	104 426 000	54 049 000	38 041 000	40 455 000
Total Assets	6 723 628 000	6 501 503 000	6 381 228 000	5 806 447 000
Total Equity	887 126 000	805 597 000	763 094 000	553 633 000

Income (NOK)	2022	2021	2020	2019
Revenue	173 086 000	153 637 000	137 752 000	143 708 000
Expenditure	102 278 000	92 650 000	97 280 000	85 998 000
Operating Profit	85 719 000	71 600 000	51 406 000	57 710 000
Financial Income	0	0	0	0
Financial Costs	10 745 000	4 114 000	14 230 000	5 435 000
Financial Balance	−10 745 000	−4 114 000	−14 230 000	−5 435 000
Earnings Before Tax	74 974 000	67 486 000	37 176 000	52 275 000
Tax	−14 452 000	−14 503 000	−7 052 000	11 820 000
Net Income	104 426 000	54 049 000	38 041 000	40 455 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	383 698 000	299 813 000	307 691 000	238 538 000
Total Current Assets	6 254 514 000	6 189 981 000	6 058 069 000	5 560 586 000
Total Assets	6 723 628 000	6 501 503 000	6 381 228 000	5 806 447 000
Total Retained Equity	608 310 000	526 781 000	484 278 000	424 676 000
Total Equity	887 126 000	805 597 000	763 094 000	553 633 000
Total Long-Term Debt	66 922 000	70 778 000	47 653 000	115 000 000
Total Current Debt	5 737 859 000	5 599 436 000	5 536 113 000	5 137 814 000
Total Equity and Debt	6 723 628 000	6 501 503 000	6 381 228 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	173 086 000	153 637 000	137 752 000	143 708 000
Cost of Goods Sold	0	0	0	0
Salary Costs	47 133 000	44 669 000	45 097 000	47 353 000
Depreciation	4 473 000	4 382 000	4 257 000	2 729 000
Impairment	0	0	0	0
Expenditure	102 278 000	92 650 000	97 280 000	85 998 000
Operating Profit	85 719 000	71 600 000	51 406 000	57 710 000
Financial Income	0	0	0	0
Financial Costs	10 745 000	4 114 000	14 230 000	5 435 000
Financial Balance	−10 745 000	−4 114 000	−14 230 000	−5 435 000
Dividends	0	0	0	0
Net Income	104 426 000	54 049 000	38 041 000	40 455 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	4 465 000	0	0	800 000
Real Eastate	0	0	0	34 361 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	8 787 000
Total Tangible Assets	43 664 000	47 882 000	42 377 000	43 148 000
Total Fiancial Fixed Assets	335 569 000	251 931 000	265 314 000	194 590 000
Total Fixed Assets	383 698 000	299 813 000	307 691 000	238 538 000
Stock	0	0	0	0
Total Investments	597 793 000	550 261 000	520 534 000	362 976 000
Cash, Bank	0	0	0	0
Total Current Assets	6 254 514 000	6 189 981 000	6 058 069 000	5 560 586 000
Total Assets	6 723 628 000	6 501 503 000	6 381 228 000	5 806 447 000
Total Equity	887 126 000	805 597 000	763 094 000	553 633 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	66 922 000	70 778 000	47 653 000	115 000 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	5 716 907 000	5 573 514 000	5 468 490 000	5 137 154 000
Total Current Debt	5 737 859 000	5 599 436 000	5 536 113 000	5 137 814 000
Total Equity and Debt	6 723 628 000	6 501 503 000	6 381 228 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	11,77 %	6,71 %	4,99 %	7,31 %
Debt-to-Equity Ratio	0,08	0,09	0,06	0,21
Operating Profit Margin	49,52 %	46,6 %	37,32 %	40,16 %
Current Ratio	1,09	1,11	1,09	1,08
Quick Ratio	1,09	1,11	1,09	1,08
Equity Ratio	0,13	0,12	0,12	0,1
Gross Profit Margin	100 %	100 %	100 %	100 %