BJUGN SPAREBANK

7160 BJUGN

Finances

Return on Equity

9,83 %

Current Ratio

1,08

Debt-to-Equity Ratio

0,04

Key figures (NOK)	2022	2021	2020	2019
Revenue	92 395 000	79 168 000	86 254 000	90 618 000
Net Income	49 913 000	31 274 000	36 436 000	82 129 000
Total Assets	3 520 644 000	3 387 290 000	3 429 270 000	3 310 691 000
Total Equity	507 630 000	458 378 000	427 311 000	362 806 000

Income (NOK)	2022	2021	2020	2019
Revenue	92 395 000	79 168 000	86 254 000	90 618 000
Expenditure	52 715 000	44 123 000	42 049 000	41 427 000
Operating Profit	45 403 000	38 943 000	48 518 000	49 191 000
Financial Income	0	0	0	0
Financial Costs	−182 000	1 150 000	2 774 000	3 077 000
Financial Balance	182 000	−1 150 000	−2 774 000	−3 077 000
Earnings Before Tax	45 585 000	37 793 000	45 744 000	93 598 000
Tax	−10 903 000	−8 834 000	−11 354 000	11 469 000
Net Income	49 913 000	31 274 000	36 436 000	82 129 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	234 973 000	270 757 000	364 537 000	247 362 000
Total Current Assets	3 225 544 000	3 105 348 000	3 054 094 000	3 063 329 000
Total Assets	3 520 644 000	3 387 290 000	3 429 270 000	3 310 691 000
Total Retained Equity	507 630 000	458 378 000	427 311 000	362 806 000
Total Equity	507 630 000	458 378 000	427 311 000	362 806 000
Total Long-Term Debt	19 617 000	17 791 000	18 851 000	6 098 000
Total Current Debt	2 985 232 000	2 903 799 000	2 976 402 000	2 941 788 000
Total Equity and Debt	3 520 643 000	3 387 290 000	3 429 270 000	3 310 692 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	92 395 000	79 168 000	86 254 000	90 618 000
Cost of Goods Sold	0	0	0	0
Salary Costs	21 730 000	19 678 000	19 802 000	32 635 000
Depreciation	2 006 000	2 166 000	1 941 000	1 700 000
Impairment	0	0	0	0
Expenditure	52 715 000	44 123 000	42 049 000	41 427 000
Operating Profit	45 403 000	38 943 000	48 518 000	49 191 000
Financial Income	0	0	0	0
Financial Costs	−182 000	1 150 000	2 774 000	3 077 000
Financial Balance	182 000	−1 150 000	−2 774 000	−3 077 000
Dividends	0	0	0	0
Net Income	49 913 000	31 274 000	36 436 000	82 129 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	3 593 000
Real Eastate	0	0	0	15 246 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	1 256 000
Total Tangible Assets	38 512 000	38 909 000	31 561 000	16 502 000
Total Fiancial Fixed Assets	196 461 000	231 848 000	332 976 000	227 267 000
Total Fixed Assets	234 973 000	270 757 000	364 537 000	247 362 000
Stock	0	0	0	0
Total Investments	304 370 000	237 330 000	236 767 000	181 564 000
Cash, Bank	0	0	0	0
Total Current Assets	3 225 544 000	3 105 348 000	3 054 094 000	3 063 329 000
Total Assets	3 520 644 000	3 387 290 000	3 429 270 000	3 310 691 000
Total Equity	507 630 000	458 378 000	427 311 000	362 806 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	19 617 000	17 791 000	18 851 000	6 098 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	2 820 538 000	2 835 942 000	2 908 071 000	2 866 705 000
Total Current Debt	2 985 232 000	2 903 799 000	2 976 402 000	2 941 788 000
Total Equity and Debt	3 520 643 000	3 387 290 000	3 429 270 000	3 310 692 000

Financial indicators	2022	2021	2020	2019
Return on Equity	9,83 %	6,82 %	8,53 %	22,64 %
Debt-to-Equity Ratio	0,04	0,04	0,04	0,02
Operating Profit Margin	49,14 %	49,19 %	56,25 %	54,28 %
Current Ratio	1,08	1,07	1,03	1,04
Quick Ratio	1,08	1,07	1,03	1,04
Equity Ratio	0,14	0,14	0,12	0,11
Gross Profit Margin	100 %	100 %	100 %	100 %