SPAREBANKGÅRDEN AS

3921 PORSGRUNN

Finances

Share Ownership

Return on Equity

12,26 %

Current Ratio

4,34

Debt-to-Equity Ratio

0,5

Key figures (NOK)	2022	2021	2020	2019
Revenue	6 805 000	5 757 000	5 878 000	5 845 000
Net Income	2 513 000	1 886 000	2 138 000	2 062 000
Total Assets	31 538 000	31 221 000	34 367 000	33 885 000
Total Equity	20 490 000	17 787 000	15 901 000	13 763 000

Income (NOK)	2022	2021	2020	2019
Revenue	6 805 000	5 757 000	5 878 000	5 845 000
Expenditure	3 154 000	3 002 000	2 598 000	2 453 000
Operating Profit	3 652 000	2 756 000	3 279 000	3 392 000
Financial Income	2 000	1 000	18 000	47 000
Financial Costs	432 000	339 000	556 000	795 000
Financial Balance	−430 000	−338 000	−538 000	−748 000
Earnings Before Tax	3 222 000	2 418 000	2 742 000	2 644 000
Tax	709 000	532 000	604 000	582 000
Net Income	2 513 000	1 886 000	2 138 000	2 062 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	27 672 000	29 596 000	30 763 000	31 900 000
Total Current Assets	3 865 000	1 625 000	3 604 000	1 985 000
Total Assets	31 538 000	31 221 000	34 367 000	33 885 000
Total Retained Equity	17 415 000	14 713 000	12 826 000	10 689 000
Total Equity	20 490 000	17 787 000	15 901 000	13 763 000
Total Long-Term Debt	10 157 000	12 607 000	17 503 000	19 399 000
Total Current Debt	891 000	827 000	963 000	722 000
Total Equity and Debt	31 538 000	31 221 000	34 367 000	33 885 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	5 233 000	5 757 000	5 878 000	0
Other Income	1 572 000	0	0	5 845 000
Revenue	6 805 000	5 757 000	5 878 000	5 845 000
Cost of Goods Sold	0	0	0	0
Salary Costs	0	0	0	0
Depreciation	1 235 000	1 235 000	1 235 000	1 210 000
Impairment	0	0	0	0
Expenditure	3 154 000	3 002 000	2 598 000	2 453 000
Operating Profit	3 652 000	2 756 000	3 279 000	3 392 000
Financial Income	2 000	1 000	18 000	47 000
Financial Costs	432 000	339 000	556 000	795 000
Financial Balance	−430 000	−338 000	−538 000	−748 000
Dividends	0	0	0	0
Net Income	2 513 000	1 886 000	2 138 000	2 062 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	689 000	622 000	523 000
Real Eastate	27 672 000	28 907 000	30 142 000	31 376 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	27 672 000	28 907 000	30 142 000	31 376 000
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	27 672 000	29 596 000	30 763 000	31 900 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	3 622 000	1 625 000	3 604 000	1 985 000
Total Current Assets	3 865 000	1 625 000	3 604 000	1 985 000
Total Assets	31 538 000	31 221 000	34 367 000	33 885 000
Total Equity	20 490 000	17 787 000	15 901 000	13 763 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	10 157 000	12 607 000	17 503 000	19 399 000
Creditors	63 000	33 000	58 000	10 000
Unpaid Taxes	179 000	178 000	184 000	13 000
Dividends	0	0	0	0
Other Current Debt	649 000	17 000	20 000	34 000
Total Current Debt	891 000	827 000	963 000	722 000
Total Equity and Debt	31 538 000	31 221 000	34 367 000	33 885 000

Financial indicators	2022	2021	2020	2019
Return on Equity	12,26 %	10,6 %	13,45 %	14,98 %
Debt-to-Equity Ratio	0,5	0,71	1,1	1,41
Operating Profit Margin	53,67 %	47,87 %	55,78 %	58,03 %
Current Ratio	4,34	1,96	3,74	2,75
Quick Ratio	4,34	1,96	3,74	2,75
Equity Ratio	0,65	0,57	0,46	0,41
Gross Profit Margin	100 %	100 %	100 %	100 %