SpareBank 1 Ringerike Hadeland (OSL: RING)

RING Balance Sheet

Financials in millions NOK. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	103	103	90	91	95	94
Investment Securities	357	319	361	356	362	276
Trading Asset Securities	3,830	3,303	3,204	3,072	3,123	2,321
Total Investments	4,187	3,622	3,565	3,428	3,485	2,597
Gross Loans	26,716	26,235	25,644	24,197	23,378	22,062
Allowance for Loan Losses	-126	-113	-101	-93	-98	-67
Net Loans	26,590	26,122	25,543	24,104	23,280	21,995
Property, Plant & Equipment	100	107	115	124	141	142
Goodwill	-	62	50	50	50	50
Other Intangible Assets	69	7	7	13	13	14
Accrued Interest Receivable	132	115	77	42	40	58
Other Current Assets	185	93	79	43	42	32
Long-Term Deferred Tax Assets	24	24	36	29	23	16
Other Long-Term Assets	82	39	48	60	70	58
Total Assets	31,472	30,294	29,610	27,984	27,239	25,056
Accrued Expenses	27	82	79	71	90	54
Interest Bearing Deposits	20,447	1,400	853	828	2,127	2,033
Non-Interest Bearing Deposits	-	17,926	18,260	17,159	14,936	13,352
Total Deposits	20,447	19,326	19,113	17,987	17,063	15,385
Short-Term Borrowings	60	94	94	6	553	30
Current Portion of Long-Term Debt	528	679	750	849	397	438
Accrued Interest Payable	451	24	5	3	6	7
Long-Term Debt	4,504	5,049	5,050	4,654	4,989	5,152
Long-Term Leases	-	25	27	30	35	35
Pension & Post-Retirement Benefits	45	52	84	75	70	66
Other Long-Term Liabilities	445	209	83	127	100	104
Total Liabilities	26,507	25,540	25,285	23,802	23,303	21,271
Common Stock	1,565	1,565	1,565	1,565	1,565	1,565
Additional Paid-In Capital	490	490	491	492	492	492
Retained Earnings	2,015	2,328	1,984	1,834	1,597	1,499
Comprehensive Income & Other	894	370	284	290	281	228
Total Common Equity	4,964	4,753	4,324	4,181	3,935	3,784
Minority Interest	1	1	1	1	1	1
Shareholders' Equity	4,965	4,754	4,325	4,182	3,936	3,785
Total Liabilities & Equity	31,472	30,294	29,610	27,984	27,239	25,056
Total Debt	5,092	5,847	5,921	5,539	5,974	5,655
Net Cash (Debt)	-1,159	-2,441	-2,627	-2,376	-2,756	-3,240
Net Cash Per Share	-73.86	-155.66	-167.78	-151.93	-176.03	-206.75
Filing Date Shares Outstanding	15.65	15.65	15.65	15.65	15.65	15.65
Total Common Shares Outstanding	15.65	15.65	15.65	15.65	15.65	15.65
Book Value Per Share	305.23	290.92	276.29	267.15	251.43	241.78
Tangible Book Value	4,895	4,684	4,267	4,118	3,872	3,720
Tangible Book Value Per Share	300.82	286.51	272.64	263.12	247.41	237.69

Source: S&P Capital IQ. Banks template. Financial Sources.