Economy

Summary of 5 years, SEK (thousands)

Income statements 2017 2016 2015 2014 2013
Net interest income 18 918 15 558 14 420 15 927 14 818
Commissions (net) 471 340 202 166 297
Net result of financial transactions -8 5 -5 -8 -
Other operating Revenue 589 1006 863 591 524
Sum operating revenue 19 970 16 909 15 480 16 676 15 639
General administration costs -18 526 -25 115 -14 465 -14 358 -13 436
Depreciation -242 -300 -225 -238 -251
Net operating profit 1 202 -8 506 790 2 080 1 952
Appropriation - - - - 200
Tax on annual profit/loss - - -191 -495 -450
Profit/Loss 1 202 -8 506 599 1 585 1 702
Balance sheets 2017 2016 2015 2014 2013
Borrowing sovereign debt obligations, etc 30 023 30 012 30 020 19 991 -
Lending to credit institutions 80 373 99 380 178 641 216 153 247 017
Lending to members 756 468 632 844 516 331 445 914 373 015
Other assets 8 211 7 803 6 966 7 147 4 856
Sum assets 875 075 770 039 731 958 689 205 624 888
Borrowing from credit institutions 27 884 5 750 5 630 18 592 8 444
Borrowing from the general public 761 264 682 840 646 600 598 061 546 704
Other debts and provisions 3 513 4 098 3 345 4 462 4 390
Debenture loans 13 101 13 101 13 101 13 101 14 101
Sum debts 805 762 705 789 668 676 634 216 573 639
Shareholders’ equity 69 313 64 250 63 282 54 989 51 249
Sum debts and shareholders’ equity 875 075 770 039 731 958 689 205 624 888
Key ratios 2017 2016 2015 2014 2013
Mean total assets 822 557 750 999 710 582 657 047 586 152
Debt-equity ratio 7,9% 8,3% 8,6% 8% 8%
Capital coverage ratio 26,4% 22,3% 22,8% 21,8% 22,2%
Investment margin 2,3% 2,1% 2,3% 2,4% 2,5%
Mean no. of employees 15 14 14 13 13
Deposits per employee 52 610 49 185 46 588 47 434 42 704