SPAREBANK 1-STIFTELSEN JEVNAKER LUNNER NITTEDAL

3520 JEVNAKER

Finances

Return on Equity

−6,55 %

Current Ratio

8,8

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	−19 707 000	78 560 000	63 777 000	82 519 000
Net Income	−48 128 000	45 024 000	28 511 000	47 315 000
Total Assets	789 215 000	839 467 000	784 083 000	741 254 000
Total Equity	734 444 000	782 571 000	737 547 000	709 036 000

Income (NOK)	2022	2021	2020	2019
Revenue	−19 707 000	78 560 000	63 777 000	82 519 000
Expenditure	2 533 000	4 482 000	3 100 000	2 628 000
Operating Profit	−48 128 000	45 024 000	28 511 000	47 315 000
Financial Income	0	0	0	0
Financial Costs	0	0	0	0
Financial Balance	0	0	0	0
Earnings Before Tax	−48 128 000	45 024 000	28 511 000	47 315 000
Tax	0	0	0	0
Net Income	−48 128 000	45 024 000	28 511 000	47 315 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	307 355 000	307 006 000	306 950 000	306 771 000
Total Current Assets	481 860 000	532 461 000	477 134 000	434 482 000
Total Assets	789 215 000	839 467 000	784 083 000	741 254 000
Total Retained Equity	297 760 000	345 888 000	300 863 000	272 353 000
Total Equity	734 444 000	782 571 000	737 547 000	709 036 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	54 771 000	56 895 000	46 536 000	32 217 000
Total Equity and Debt	789 215 000	839 467 000	784 083 000	741 254 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	−19 707 000	2 747 000	1 848 000	2 619 000
Other Income	0	75 812 000	61 928 000	79 900 000
Revenue	−19 707 000	78 560 000	63 777 000	82 519 000
Cost of Goods Sold	0	0	0	0
Salary Costs	0	1 741 000	1 591 000	1 314 000
Depreciation	0	95 000	81 000	25 000
Impairment	2 097 000	0	0	0
Expenditure	2 533 000	4 482 000	3 100 000	2 628 000
Operating Profit	−48 128 000	45 024 000	28 511 000	47 315 000
Financial Income	0	0	0	0
Financial Costs	0	0	0	0
Financial Balance	0	0	0	0
Dividends	0	39 639 000	28 511 000	47 315 000
Net Income	−48 128 000	45 024 000	28 511 000	47 315 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	1 014 000	665 000	608 000	430 000
Total Tangible Assets	1 014 000	665 000	608 000	430 000
Total Fiancial Fixed Assets	306 341 000	306 341 000	306 341 000	306 341 000
Total Fixed Assets	307 355 000	307 006 000	306 950 000	306 771 000
Stock	0	0	0	0
Total Investments	445 911 000	485 318 000	401 625 000	386 029 000
Cash, Bank	35 539 000	47 103 000	75 414 000	48 390 000
Total Current Assets	481 860 000	532 461 000	477 134 000	434 482 000
Total Assets	789 215 000	839 467 000	784 083 000	741 254 000
Total Equity	734 444 000	782 571 000	737 547 000	709 036 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	0	0	0	0
Creditors	351 000	357 000	207 000	45 000
Unpaid Taxes	178 000	185 000	156 000	150 000
Dividends	0	39 639 000	28 511 000	47 315 000
Other Current Debt	54 242 000	56 353 000	46 173 000	32 022 000
Total Current Debt	54 771 000	56 895 000	46 536 000	32 217 000
Total Equity and Debt	789 215 000	839 467 000	784 083 000	741 254 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−6,55 %	5,75 %	3,87 %	6,67 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	244,22 %	57,31 %	44,7 %	57,34 %
Current Ratio	8,8	9,36	10,25	13,49
Quick Ratio	8,8	9,36	10,25	13,49
Equity Ratio	0,93	0,93	0,94	0,96
Gross Profit Margin	100 %	100 %	100 %	100 %