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