NIDAROS SPAREBANK

7540 KLÆBU

Finances

Return on Equity

4,92 %

Current Ratio

1,11

Debt-to-Equity Ratio

0,1

Key figures (NOK)	2022	2021	2020	2019
Revenue	99 243 000	91 149 000	90 419 000	100 256 000
Net Income	27 130 000	29 910 000	39 645 000	30 937 000
Total Assets	4 372 879 000	4 302 044 000	4 159 229 000	3 940 903 000
Total Equity	551 113 000	533 064 000	512 504 000	421 755 000

Income (NOK)	2022	2021	2020	2019
Revenue	99 243 000	91 149 000	90 419 000	100 256 000
Expenditure	64 432 000	64 012 000	54 892 000	53 898 000
Operating Profit	37 618 000	30 978 000	39 812 000	46 358 000
Financial Income	0	0	0	0
Financial Costs	3 352 000	−4 292 000	5 352 000	4 870 000
Financial Balance	−3 352 000	4 292 000	−5 352 000	−4 870 000
Earnings Before Tax	34 266 000	35 270 000	34 460 000	41 488 000
Tax	−7 136 000	−7 518 000	−6 813 000	10 551 000
Net Income	27 130 000	29 910 000	39 645 000	30 937 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	158 483 000	129 144 000	115 025 000	239 259 000
Total Current Assets	4 151 372 000	4 110 086 000	4 040 453 000	3 701 644 000
Total Assets	4 372 879 000	4 302 044 000	4 159 229 000	3 940 903 000
Total Retained Equity	399 192 000	381 143 000	360 583 000	310 065 000
Total Equity	551 113 000	533 064 000	512 504 000	421 755 000
Total Long-Term Debt	57 825 000	57 238 000	57 600 000	90 000 000
Total Current Debt	3 740 810 000	3 697 669 000	3 582 218 000	3 429 146 000
Total Equity and Debt	4 372 880 000	4 302 042 000	4 159 229 000	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	99 243 000	91 149 000	90 419 000	100 256 000
Cost of Goods Sold	0	0	0	0
Salary Costs	32 876 000	30 371 000	26 052 000	26 351 000
Depreciation	2 736 000	2 240 000	1 356 000	1 585 000
Impairment	0	0	0	0
Expenditure	64 432 000	64 012 000	54 892 000	53 898 000
Operating Profit	37 618 000	30 978 000	39 812 000	46 358 000
Financial Income	0	0	0	0
Financial Costs	3 352 000	−4 292 000	5 352 000	4 870 000
Financial Balance	−3 352 000	4 292 000	−5 352 000	−4 870 000
Dividends	0	0	0	0
Net Income	27 130 000	29 910 000	39 645 000	30 937 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	3 061 000
Real Eastate	0	0	0	5 691 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	2 706 000
Total Tangible Assets	19 585 000	11 036 000	7 140 000	8 397 000
Total Fiancial Fixed Assets	138 898 000	118 108 000	107 885 000	227 801 000
Total Fixed Assets	158 483 000	129 144 000	115 025 000	239 259 000
Stock	0	0	0	0
Total Investments	421 012 000	460 529 000	597 754 000	417 421 000
Cash, Bank	0	0	0	0
Total Current Assets	4 151 372 000	4 110 086 000	4 040 453 000	3 701 644 000
Total Assets	4 372 879 000	4 302 044 000	4 159 229 000	3 940 903 000
Total Equity	551 113 000	533 064 000	512 504 000	421 755 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	57 825 000	57 238 000	57 600 000	90 000 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	3 652 891 000	3 649 211 000	3 472 899 000	3 417 579 000
Total Current Debt	3 740 810 000	3 697 669 000	3 582 218 000	3 429 146 000
Total Equity and Debt	4 372 880 000	4 302 042 000	4 159 229 000	0

Financial indicators	2022	2021	2020	2019
Return on Equity	4,92 %	5,61 %	7,74 %	7,34 %
Debt-to-Equity Ratio	0,1	0,11	0,11	0,21
Operating Profit Margin	37,9 %	33,99 %	44,03 %	46,24 %
Current Ratio	1,11	1,11	1,13	1,08
Quick Ratio	1,11	1,11	1,13	1,08
Equity Ratio	0,13	0,12	0,12	0,11
Gross Profit Margin	100 %	100 %	100 %	100 %