STADSBYGD SPAREBANK

7100 RISSA

Finances

Return on Equity

8,81 %

Current Ratio

1,09

Debt-to-Equity Ratio

0,1

Key figures (NOK)	2022	2021	2020	2019
Revenue	111 196 000	99 874 000	108 386 000	99 092 000
Net Income	47 000 000	38 050 000	33 425 000	34 300 000
Total Assets	4 580 684 000	4 223 257 000	3 814 831 000	3 576 933 000
Total Equity	533 616 000	492 240 000	449 856 000	363 575 000

Income (NOK)	2022	2021	2020	2019
Revenue	111 196 000	99 874 000	108 386 000	99 092 000
Expenditure	56 648 000	58 261 000	55 500 000	49 852 000
Operating Profit	57 806 000	46 684 000	52 886 000	49 240 000
Financial Income	0	0	0	0
Financial Costs	2 638 000	231 000	10 450 000	4 122 000
Financial Balance	−2 638 000	−231 000	−10 450 000	−4 122 000
Earnings Before Tax	55 168 000	46 453 000	42 436 000	45 118 000
Tax	−12 468 000	−10 026 000	9 011 000	10 818 000
Net Income	47 000 000	38 050 000	33 425 000	34 300 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	175 674 000	163 123 000	147 580 000	114 813 000
Total Current Assets	4 325 346 000	3 979 366 000	3 667 251 000	3 460 020 000
Total Assets	4 580 684 000	4 223 257 000	3 814 831 000	3 576 933 000
Total Retained Equity	453 501 000	412 125 000	379 741 000	323 460 000
Total Equity	533 616 000	492 240 000	449 856 000	363 575 000
Total Long-Term Debt	53 850 000	50 772 000	40 554 000	70 000 000
Total Current Debt	3 980 908 000	3 667 006 000	3 324 421 000	3 143 358 000
Total Equity and Debt	4 580 684 000	4 223 257 000	3 814 831 000	11 793 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	111 196 000	99 874 000	108 386 000	99 092 000
Cost of Goods Sold	0	0	0	0
Salary Costs	31 877 000	27 113 000	26 626 000	26 852 000
Depreciation	2 725 000	3 182 000	2 914 000	2 755 000
Impairment	0	0	100 000	0
Expenditure	56 648 000	58 261 000	55 500 000	49 852 000
Operating Profit	57 806 000	46 684 000	52 886 000	49 240 000
Financial Income	0	0	0	0
Financial Costs	2 638 000	231 000	10 450 000	4 122 000
Financial Balance	−2 638 000	−231 000	−10 450 000	−4 122 000
Dividends	0	0	0	0
Net Income	47 000 000	38 050 000	33 425 000	34 300 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	1 694 000	965 000
Real Eastate	0	0	23 060 000	24 171 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	2 856 000	3 384 000
Total Tangible Assets	22 523 000	25 248 000	27 916 000	27 555 000
Total Fiancial Fixed Assets	153 151 000	137 875 000	117 970 000	86 293 000
Total Fixed Assets	175 674 000	163 123 000	147 580 000	114 813 000
Stock	0	0	0	0
Total Investments	407 649 000	404 671 000	402 527 000	349 295 000
Cash, Bank	0	0	0	0
Total Current Assets	4 325 346 000	3 979 366 000	3 667 251 000	3 460 020 000
Total Assets	4 580 684 000	4 223 257 000	3 814 831 000	3 576 933 000
Total Equity	533 616 000	492 240 000	449 856 000	363 575 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	53 850 000	50 772 000	40 554 000	70 000 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	3 963 428 000	3 650 085 000	3 248 876 000	3 117 964 000
Total Current Debt	3 980 908 000	3 667 006 000	3 324 421 000	3 143 358 000
Total Equity and Debt	4 580 684 000	4 223 257 000	3 814 831 000	11 793 000

Financial indicators	2022	2021	2020	2019
Return on Equity	8,81 %	7,73 %	7,43 %	9,43 %
Debt-to-Equity Ratio	0,1	0,1	0,09	0,19
Operating Profit Margin	51,99 %	46,74 %	48,79 %	49,69 %
Current Ratio	1,09	1,09	1,1	1,1
Quick Ratio	1,09	1,09	1,1	1,1
Equity Ratio	0,12	0,12	0,12	0,1
Gross Profit Margin	100 %	100 %	100 %	100 %