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