Key figures from quarterly accounts

Group in NOKm Q3 Q2 Q1 4Q 3Q 2Q 1Q 4Q 3Q
  2013 2013 2013 2012 2012 2012 2012 2011 2011
Profitability                  
Return on equity per quarter 16.3% 11.1% 12.7% 10.5% 12.8% 10.7% 13.0% 13.6% 12.0%
Cost-income ratio 43 % 51% 50% 58% 51% 54% 53% 53% 53%
                   
Balance sheet                  
Gross loans to customers  79,842 78,976 76,425 74,943 75,357 73,595 71,681 73,105 71,570
Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt 110,237 108,968 106,830 104,909 103,274 100,552 97,387 95,232 92,671
Deposits from customers 53,423 55,268 52,603 52,252 50,836 51,504 48,974 47,871 46,023
Total assets 111,977 113,190 110,769 107,975 110,605 107,780 99,031 102,479 100,007
Average total assets 112,583 111,979 109,344 109,279 109,227 103,422 100,242 100,732 99,212
Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months  6.7 % 8.4 % 9.7 % 10.2 % 11.4 % 10.6 % 9.9 % 8.6 % 7.7 %
Growth in deposits last 12 months 5.1 % 7.3 % 7.4 % 9.2 % 10.5 % 12.0 % 14.2 % 11.9 % 19.1 %
                   
Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt                  
Impairment losses ratio 0.04 % 0.07 % 0.06 % 0.06 % 0.06 % 0.07 % 0.04 % 0.11 % 0.03 %
Non-performing commitm. as a percentage of gross loans 0.35 % 0.38 % 0.36 % 0.36 % 0.39 % 0.34 % 0.33 % 0.36 % 0.36 %
Other doubtful commitm. as a percentage of gross loans 0.19 % 0.13 % 0.15 % 0.14 % 0.16 % 0.20 % 0.19 % 0.21 % 0.24 %
                   
Solidity                  
Common equity tier 1 10.7 % 10.3 % 10.4 % 10.0 % 9.3 % 9.5 % 8.8 % 8.9 % 8.8 %
Core capital ratio 12.6 % 12.2 % 11.7 % 11.3 % 10.6 % 11.0 % 10.3 % 10.4 % 10.4 %
Capital adequacy ratio 14.2 % 13.8 % 13.3 % 13.3 % 11.9 % 12.4 % 11.8 % 12.0 % 12.1 %
Core capital 10,707 10,508 9,686 9,357 8,826 8,722 7,902 7,856 7,504
Net equity and related capital 12,053 11,894 10,971 10,943 9,891 9,900 9,008 9,055 8,675
                   
Key figures ECC *)                  
ECC price  45.70 46.50 46.90 34.80 37.00 32.10 36.60 36.31 36.31
Number of certificates issued, millions 129.83 129.83 129.83 129.83 129.83 124.21 124.21 102.76 102.76
Booked equity capital per ECC (including dividend) 53.76 51.66 50.32 50.09 49.00 47.97 46.82 48.91 47.65
Profit per ECC, majority 2.18 1.43 1.55 1.29 1.54 1.22 1.41 1.65 1.42
Price-Earnings Ratio 5.23 8.13 7.55 6.74 6.09 6.58 6.49 5.50 6.39
Price-Book Value Ratio 0.85 0.90 0.93 0.69 0.76 0.67 0.78 0.74 0.76
*) The key figures are corrected for issues
© SpareBank 1 SMN