OPDALS SPAREBANK

7340 OPPDAL

Finances

Return on Equity

10,66 %

Current Ratio

1,1

Debt-to-Equity Ratio

0,03

Key figures (NOK)	2022	2021	2020	2019
Revenue	104 013 000	84 579 000	83 244 000	93 470 000
Net Income	64 259 000	40 374 000	36 161 000	37 448 000
Total Assets	3 889 900 000	3 772 821 000	3 556 567 000	3 599 721 000
Total Equity	602 958 000	541 699 000	504 325 000	437 752 000

Income (NOK)	2022	2021	2020	2019
Revenue	104 013 000	84 579 000	83 244 000	93 470 000
Expenditure	55 574 000	48 525 000	46 574 000	44 800 000
Operating Profit	56 229 000	42 334 000	43 627 000	48 670 000
Financial Income	0	0	0	0
Financial Costs	4 435 000	−4 391 000	3 473 000	−457 000
Financial Balance	−4 435 000	4 391 000	−3 473 000	457 000
Earnings Before Tax	51 794 000	46 725 000	40 154 000	49 127 000
Tax	−12 824 000	−10 185 000	−8 800 000	11 679 000
Net Income	64 259 000	40 374 000	36 161 000	37 448 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	249 367 000	230 696 000	184 234 000	192 431 000
Total Current Assets	3 567 304 000	3 540 173 000	3 368 453 000	3 407 290 000
Total Assets	3 889 900 000	3 772 821 000	3 556 567 000	3 599 721 000
Total Retained Equity	602 958 000	541 699 000	504 325 000	437 752 000
Total Equity	602 958 000	541 699 000	504 325 000	437 752 000
Total Long-Term Debt	18 093 000	44 783 000	42 276 000	31 000 000
Total Current Debt	3 243 843 000	3 164 688 000	2 996 346 000	3 130 969 000
Total Equity and Debt	3 889 900 000	3 772 821 000	3 556 567 000	39 907 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	104 013 000	84 579 000	83 244 000	93 470 000
Cost of Goods Sold	0	0	0	0
Salary Costs	24 648 000	22 970 000	22 270 000	22 364 000
Depreciation	2 406 000	2 486 000	2 317 000	2 534 000
Impairment	0	0	0	0
Expenditure	55 574 000	48 525 000	46 574 000	44 800 000
Operating Profit	56 229 000	42 334 000	43 627 000	48 670 000
Financial Income	0	0	0	0
Financial Costs	4 435 000	−4 391 000	3 473 000	−457 000
Financial Balance	−4 435 000	4 391 000	−3 473 000	457 000
Dividends	0	0	0	0
Net Income	64 259 000	40 374 000	36 161 000	37 448 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	3 198 000
Real Eastate	0	0	0	19 375 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	1 810 000
Total Tangible Assets	17 539 000	19 449 000	19 254 000	21 185 000
Total Fiancial Fixed Assets	231 828 000	211 247 000	164 980 000	168 048 000
Total Fixed Assets	249 367 000	230 696 000	184 234 000	192 431 000
Stock	0	0	0	0
Total Investments	406 318 000	399 660 000	426 139 000	356 281 000
Cash, Bank	0	0	0	0
Total Current Assets	3 567 304 000	3 540 173 000	3 368 453 000	3 407 290 000
Total Assets	3 889 900 000	3 772 821 000	3 556 567 000	3 599 721 000
Total Equity	602 958 000	541 699 000	504 325 000	437 752 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	18 093 000	44 783 000	42 276 000	31 000 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	3 268 849 000	3 186 339 000	3 009 966 000	3 130 931 000
Total Current Debt	3 243 843 000	3 164 688 000	2 996 346 000	3 130 969 000
Total Equity and Debt	3 889 900 000	3 772 821 000	3 556 567 000	39 907 000

Financial indicators	2022	2021	2020	2019
Return on Equity	10,66 %	7,45 %	7,17 %	8,55 %
Debt-to-Equity Ratio	0,03	0,08	0,08	0,07
Operating Profit Margin	54,06 %	50,05 %	52,41 %	52,07 %
Current Ratio	1,1	1,12	1,12	1,09
Quick Ratio	1,1	1,12	1,12	1,09
Equity Ratio	0,16	0,14	0,14	0,12
Gross Profit Margin	100 %	100 %	100 %	100 %