FANA SPAREBANK BOLIGKREDITT AS

5221 NESTTUN

Finances

Share Ownership

Return on Equity

3,23 %

Current Ratio

1,09

Debt-to-Equity Ratio

0,01

Key figures (NOK)	2022	2021	2020	2019
Revenue	76 146 000	92 842 000	65 273 000	62 179 000
Net Income	31 785 000	46 009 000	28 370 000	25 838 000
Total Assets	11 915 568 000	12 109 420 000	10 984 430 000	8 958 886 000
Total Equity	985 496 000	953 710 000	907 702 000	679 178 000

Income (NOK)	2022	2021	2020	2019
Revenue	76 146 000	92 842 000	65 273 000	62 179 000
Expenditure	33 781 000	32 409 000	29 188 000	26 141 000
Operating Profit	42 365 000	60 433 000	36 085 000	36 038 000
Financial Income	0	0	0	0
Financial Costs	1 316 000	1 195 000	−329 000	2 889 000
Financial Balance	−1 316 000	−1 195 000	329 000	−2 889 000
Earnings Before Tax	41 049 000	59 238 000	36 414 000	33 149 000
Tax	−8 965 000	−12 977 000	8 044 000	7 311 000
Net Income	31 785 000	46 009 000	28 370 000	25 838 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	188 000	99 000	163 000	170 000
Total Current Assets	11 915 380 000	12 109 321 000	10 984 267 000	8 958 716 000
Total Assets	11 915 568 000	12 109 420 000	10 984 430 000	8 958 886 000
Total Retained Equity	431 292 000	399 506 000	353 498 000	324 960 000
Total Equity	985 496 000	953 710 000	907 702 000	679 178 000
Total Long-Term Debt	9 155 000	13 133 000	82 000	57 000
Total Current Debt	10 919 553 000	11 141 324 000	10 076 646 000	8 279 651 000
Total Equity and Debt	11 915 568 000	12 109 420 000	0	0

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	76 146 000	92 842 000	65 273 000	62 179 000
Cost of Goods Sold	0	0	0	0
Salary Costs	44 000	38 000	40 000	46 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	33 781 000	32 409 000	29 188 000	26 141 000
Operating Profit	42 365 000	60 433 000	36 085 000	36 038 000
Financial Income	0	0	0	0
Financial Costs	1 316 000	1 195 000	−329 000	2 889 000
Financial Balance	−1 316 000	−1 195 000	329 000	−2 889 000
Dividends	0	0	0	0
Net Income	31 785 000	46 009 000	28 370 000	25 838 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	15 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	0	0	0	0
Total Fiancial Fixed Assets	188 000	99 000	163 000	155 000
Total Fixed Assets	188 000	99 000	163 000	170 000
Stock	0	0	0	0
Total Investments	91 237 000	90 199 000	89 198 000	88 949 000
Cash, Bank	0	0	0	0
Total Current Assets	11 915 380 000	12 109 321 000	10 984 267 000	8 958 716 000
Total Assets	11 915 568 000	12 109 420 000	10 984 430 000	8 958 886 000
Total Equity	985 496 000	953 710 000	907 702 000	679 178 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	9 155 000	13 133 000	82 000	57 000
Creditors	0	0	0	0
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	10 206 612 000	10 248 488 000	9 331 996 000	7 672 610 000
Total Current Debt	10 919 553 000	11 141 324 000	10 076 646 000	8 279 651 000
Total Equity and Debt	11 915 568 000	12 109 420 000	0	0

Financial indicators	2022	2021	2020	2019
Return on Equity	3,23 %	4,82 %	3,13 %	3,8 %
Debt-to-Equity Ratio	0,01	0,01	0	0
Operating Profit Margin	55,64 %	65,09 %	55,28 %	57,96 %
Current Ratio	1,09	1,09	1,09	1,08
Quick Ratio	1,09	1,09	1,09	1,08
Equity Ratio	0,08	0,08	0,08	0,08
Gross Profit Margin	100 %	100 %	100 %	100 %