SELBU SPAREBANKGÅRDEN AS

7011 TRONDHEIM

Finances

Share Ownership

Return on Equity

−1,24 %

Current Ratio

2,76

Debt-to-Equity Ratio

1,49

Key figures (NOK)	2022	2021	2020	2019
Revenue	2 466 000	2 342 000	2 066 000	1 764 000
Net Income	−150 000	−130 000	−344 000	−803 000
Total Assets	30 457 000	34 508 000	35 916 000	36 300 000
Total Equity	12 133 000	12 283 000	12 413 000	12 758 000

Income (NOK)	2022	2021	2020	2019
Revenue	2 466 000	2 342 000	2 066 000	1 764 000
Expenditure	1 951 000	1 952 000	1 886 000	1 972 000
Operating Profit	516 000	390 000	180 000	−208 000
Financial Income	0	0	1 000	1 000
Financial Costs	709 000	556 000	622 000	823 000
Financial Balance	−709 000	−556 000	−621 000	−822 000
Earnings Before Tax	−193 000	−166 000	−441 000	−1 029 000
Tax	−42 000	−36 000	−97 000	−226 000
Net Income	−150 000	−130 000	−344 000	−803 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	29 907 000	30 919 000	31 753 000	31 896 000
Total Current Assets	550 000	3 590 000	4 163 000	4 404 000
Total Assets	30 457 000	34 508 000	35 916 000	36 300 000
Total Retained Equity	−4 678 000	−4 527 000	−4 397 000	−4 053 000
Total Equity	12 133 000	12 283 000	12 413 000	12 758 000
Total Long-Term Debt	18 125 000	21 997 000	23 033 000	23 126 000
Total Current Debt	199 000	227 000	469 000	417 000
Total Equity and Debt	30 457 000	34 508 000	35 916 000	36 300 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	2 463 000	−1 000	0	0
Other Income	3 000	2 344 000	2 066 000	1 764 000
Revenue	2 466 000	2 342 000	2 066 000	1 764 000
Cost of Goods Sold	0	0	0	0
Salary Costs	0	36 000	34 000	37 000
Depreciation	1 054 000	987 000	871 000	750 000
Impairment	0	0	0	0
Expenditure	1 951 000	1 952 000	1 886 000	1 972 000
Operating Profit	516 000	390 000	180 000	−208 000
Financial Income	0	0	1 000	1 000
Financial Costs	709 000	556 000	622 000	823 000
Financial Balance	−709 000	−556 000	−621 000	−822 000
Dividends	0	0	0	0
Net Income	−150 000	−130 000	−344 000	−803 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	330 000	287 000	251 000	154 000
Real Eastate	29 555 000	30 585 000	31 441 000	31 742 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	23 000	46 000	61 000	0
Total Tangible Assets	29 578 000	30 631 000	31 502 000	31 742 000
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	29 907 000	30 919 000	31 753 000	31 896 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	435 000	3 484 000	4 116 000	2 696 000
Total Current Assets	550 000	3 590 000	4 163 000	4 404 000
Total Assets	30 457 000	34 508 000	35 916 000	36 300 000
Total Equity	12 133 000	12 283 000	12 413 000	12 758 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	18 125 000	21 997 000	23 033 000	23 126 000
Creditors	25 000	181 000	438 000	79 000
Unpaid Taxes	0	0	5 000	0
Dividends	0	0	0	0
Other Current Debt	174 000	47 000	26 000	338 000
Total Current Debt	199 000	227 000	469 000	417 000
Total Equity and Debt	30 457 000	34 508 000	35 916 000	36 300 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−1,24 %	−1,06 %	−2,77 %	−6,29 %
Debt-to-Equity Ratio	1,49	1,79	1,86	1,81
Operating Profit Margin	20,92 %	16,65 %	8,71 %	−11,79 %
Current Ratio	2,76	15,81	8,88	10,56
Quick Ratio	2,76	15,81	8,88	10,56
Equity Ratio	0,4	0,36	0,35	0,35
Gross Profit Margin	100 %	100 %	100 %	100 %