SPAREBANKBYGG NAMSOS AS

7800 NAMSOS

Finances

Share Ownership

Return on Equity

8,95 %

Current Ratio

0,56

Debt-to-Equity Ratio

0,13

Key figures (NOK)	2022	2021	2020	2019
Revenue	4 020 000	3 837 000	3 268 000	3 753 000
Net Income	1 291 000	1 027 000	263 000	678 000
Total Assets	17 780 000	30 515 000	31 956 000	33 025 000
Total Equity	14 423 000	13 132 000	12 886 000	13 091 000

Income (NOK)	2022	2021	2020	2019
Revenue	4 020 000	3 837 000	3 268 000	3 753 000
Expenditure	2 100 000	2 323 000	2 637 000	2 627 000
Operating Profit	1 921 000	1 514 000	630 000	1 127 000
Financial Income	181 000	105 000	119 000	286 000
Financial Costs	447 000	303 000	412 000	544 000
Financial Balance	−266 000	−198 000	−293 000	−258 000
Earnings Before Tax	1 655 000	1 316 000	337 000	869 000
Tax	364 000	290 000	74 000	191 000
Net Income	1 291 000	1 027 000	263 000	678 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	16 924 000	17 251 000	18 011 000	18 364 000
Total Current Assets	856 000	13 264 000	13 945 000	14 661 000
Total Assets	17 780 000	30 515 000	31 956 000	33 025 000
Total Retained Equity	3 478 000	2 188 000	1 941 000	2 146 000
Total Equity	14 423 000	13 132 000	12 886 000	13 091 000
Total Long-Term Debt	1 830 000	15 239 000	16 664 000	18 090 000
Total Current Debt	1 528 000	2 144 000	2 407 000	1 844 000
Total Equity and Debt	17 780 000	30 515 000	31 956 000	33 025 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	4 020 000	3 837 000	3 268 000	3 753 000
Revenue	4 020 000	3 837 000	3 268 000	3 753 000
Cost of Goods Sold	0	0	0	0
Salary Costs	0	0	0	0
Depreciation	773 000	803 000	833 000	1 021 000
Impairment	0	0	0	0
Expenditure	2 100 000	2 323 000	2 637 000	2 627 000
Operating Profit	1 921 000	1 514 000	630 000	1 127 000
Financial Income	181 000	105 000	119 000	286 000
Financial Costs	447 000	303 000	412 000	544 000
Financial Balance	−266 000	−198 000	−293 000	−258 000
Dividends	0	0	0	0
Net Income	1 291 000	1 027 000	263 000	678 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	16 924 000	17 251 000	18 011 000	18 364 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	16 924 000	17 251 000	18 011 000	18 364 000
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	16 924 000	17 251 000	18 011 000	18 364 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	573 000	4 590 000	4 475 000	2 481 000
Total Current Assets	856 000	13 264 000	13 945 000	14 661 000
Total Assets	17 780 000	30 515 000	31 956 000	33 025 000
Total Equity	14 423 000	13 132 000	12 886 000	13 091 000
Short-Term Group Debt	15 000	1 000 000	600 000	1 400 000
Total Long-Term Debt	1 830 000	15 239 000	16 664 000	18 090 000
Creditors	708 000	584 000	1 125 000	290 000
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	351 000	401 000	650 000	145 000
Total Current Debt	1 528 000	2 144 000	2 407 000	1 844 000
Total Equity and Debt	17 780 000	30 515 000	31 956 000	33 025 000

Financial indicators	2022	2021	2020	2019
Return on Equity	8,95 %	7,82 %	2,04 %	5,18 %
Debt-to-Equity Ratio	0,13	1,16	1,29	1,38
Operating Profit Margin	47,79 %	39,46 %	19,28 %	30,03 %
Current Ratio	0,56	6,19	5,79	7,95
Quick Ratio	0,56	6,19	5,79	7,95
Equity Ratio	0,81	0,43	0,4	0,4
Gross Profit Margin	100 %	100 %	100 %	100 %