SELBU SPAREBANK

7580 SELBU

Finances

Return on Equity

7,8 %

Current Ratio

1,13

Debt-to-Equity Ratio

0,08

Key figures (NOK)	2022	2021	2020	2019
Revenue	114 767 000	112 219 000	154 690 000	131 003 000
Net Income	59 858 000	34 295 000	74 499 000	47 000 000
Total Assets	5 085 936 000	4 841 993 000	4 662 107 000	4 377 017 000
Total Equity	767 602 000	714 876 000	687 049 000	525 780 000

Income (NOK)	2022	2021	2020	2019
Revenue	114 767 000	112 219 000	154 690 000	131 003 000
Expenditure	76 349 000	79 319 000	72 004 000	66 231 000
Operating Profit	63 020 000	38 199 000	90 778 000	64 772 000
Financial Income	0	0	0	0
Financial Costs	1 525 000	−3 551 000	6 346 000	2 880 000
Financial Balance	−1 525 000	3 551 000	−6 346 000	−2 880 000
Earnings Before Tax	61 495 000	41 750 000	84 432 000	61 892 000
Tax	−8 594 000	−7 455 000	−9 933 000	14 892 000
Net Income	59 858 000	34 295 000	74 499 000	47 000 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	217 266 000	241 297 000	225 157 000	171 161 000
Total Current Assets	4 792 385 000	4 595 144 000	4 430 489 000	4 205 241 000
Total Assets	5 085 936 000	4 841 993 000	4 662 107 000	4 377 017 000
Total Retained Equity	677 700 000	624 974 000	597 147 000	485 838 000
Total Equity	767 602 000	714 876 000	687 049 000	525 780 000
Total Long-Term Debt	62 916 000	49 722 000	53 122 000	91 182 000
Total Current Debt	4 228 372 000	4 053 848 000	3 901 276 000	3 760 055 000
Total Equity and Debt	5 085 936 000	4 841 993 000	4 662 107 000	205 960 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	114 767 000	112 219 000	154 690 000	131 003 000
Cost of Goods Sold	0	0	0	0
Salary Costs	39 674 000	37 089 000	37 871 000	33 124 000
Depreciation	2 761 000	2 915 000	751 000	1 039 000
Impairment	0	0	0	0
Expenditure	76 349 000	79 319 000	72 004 000	66 231 000
Operating Profit	63 020 000	38 199 000	90 778 000	64 772 000
Financial Income	0	0	0	0
Financial Costs	1 525 000	−3 551 000	6 346 000	2 880 000
Financial Balance	−1 525 000	3 551 000	−6 346 000	−2 880 000
Dividends	0	0	0	0
Net Income	59 858 000	34 295 000	74 499 000	47 000 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	460 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	1 719 000
Total Tangible Assets	12 056 000	10 594 000	1 846 000	2 179 000
Total Fiancial Fixed Assets	205 210 000	230 703 000	223 311 000	168 982 000
Total Fixed Assets	217 266 000	241 297 000	225 157 000	171 161 000
Stock	0	0	0	0
Total Investments	586 704 000	477 350 000	514 780 000	444 974 000
Cash, Bank	0	0	0	0
Total Current Assets	4 792 385 000	4 595 144 000	4 430 489 000	4 205 241 000
Total Assets	5 085 936 000	4 841 993 000	4 662 107 000	4 377 017 000
Total Equity	767 602 000	714 876 000	687 049 000	525 780 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	62 916 000	49 722 000	53 122 000	91 182 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	4 206 431 000	4 067 379 000	3 771 481 000	3 612 125 000
Total Current Debt	4 228 372 000	4 053 848 000	3 901 276 000	3 760 055 000
Total Equity and Debt	5 085 936 000	4 841 993 000	4 662 107 000	205 960 000

Financial indicators	2022	2021	2020	2019
Return on Equity	7,8 %	4,8 %	10,84 %	8,94 %
Debt-to-Equity Ratio	0,08	0,07	0,08	0,17
Operating Profit Margin	54,91 %	34,04 %	58,68 %	49,44 %
Current Ratio	1,13	1,13	1,14	1,12
Quick Ratio	1,13	1,13	1,14	1,12
Equity Ratio	0,15	0,15	0,15	0,12
Gross Profit Margin	100 %	100 %	100 %	100 %