Economy

Summary of 5 years, SEK (thousands)

Income statements	2014	2013	2012	2011	2010
Net interest income	15 927	14 818	14 185	11 943	9 335
Commissions (net)	166	297	124	200	121
Other operating Revenue	583	524	196	158	226
Sum operating revenue	16 676	15 639	14 505	12 301	9 682
General administration costs	-14 358	-13 436	-11 807	-10 073	-8 600
Depreciation	-238	-251	-63	-142	-363
Net operating profit	2 080	1 952	2 635	2 086	719
Tax on annual profit/loss	-495	-450	-699	-583	-225
Profit/Loss	1 585	1 702	1 936	1 503	494

Balance sheets	2014	2013	2012	2011	2010
Lending to credit institutions	216 153	247 017	211 750	162 701	139 494
Lending to members	445 914	373 015	333 053	325 302	285 418
Other assets	7 147	4 856	2 613	1 457	1 401
Sum assets	689 205	624 888	547 416	489 460	426 313
Borrowing from credit institutions	18 592	8 444	3 666	3 221	9 243
Borrowing from the general public	598 061	546 704	477 926	424 234	358 245
Other debts and provisions	4 462	4 390	4 933	4 385	3 615
Debenture loans	13 101	14 101	18 101	18 101	21 175
Shareholders’ equity	54 989	51 249	42 790	39 330	34 035
Sum debts and shareholders’ equity	689 205	624 888	547 416	489 460	426 313

Key ratios	2014	2013	2012	2011	2010
Mean total assets	657 047	586 152	518 438	457 886	418 470
Debt-equity ratio	8%	8%	7,8%	8%	8%
Capital coverage ratio	22%	22%	25%	27%	31%
Investment margin	2.4%	2.5%	2.7%	2.6%	2.2%
Mean no. of employees	13	13	12	10	9
Deposits per employee	47 434	42 704	40 133	42 764	40 832