Flekkefjord Sparebank Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest Income on Loans	617.27	576.96	439.29	237.88	145.94	160.62	Upgrade
Interest Income on Investments	15.83	12.11	13.47	12.94	13.4	2.48	Upgrade
Total Interest Income	633.1	589.07	452.76	250.81	159.34	163.1	Upgrade
Interest Paid on Deposits	376.81	343.37	230.73	85.2	43.15	70.06	Upgrade
Total Interest Expense	376.81	343.37	230.73	85.2	43.15	70.06	Upgrade
Net Interest Income	256.28	245.7	222.03	165.61	116.19	93.04	Upgrade
Net Interest Income Growth (YoY)	10.73%	10.66%	34.06%	42.54%	24.88%	-13.45%	Upgrade
Gain (Loss) on Sale of Investments	-	-	-	9.48	15.73	17.66	Upgrade
Other Non-Interest Income	71.22	60.31	36.08	18.18	13.94	10.54	Upgrade
Total Non-Interest Income	71.22	60.31	36.08	27.66	29.67	28.2	Upgrade
Non-Interest Income Growth (YoY)	54.07%	67.15%	30.46%	-6.79%	5.22%	88.53%	Upgrade
Revenues Before Loan Losses	327.5	306.01	258.11	193.27	145.86	121.24	Upgrade
Provision for Loan Losses	12.95	12.77	7.7	17.98	2.42	13.49	Upgrade
Revenue	314.55	293.24	250.41	175.29	143.44	107.75	Upgrade
Revenue Growth (YoY)	18.62%	17.10%	42.85%	22.20%	33.12%	-10.13%	Upgrade
Salaries and Employee Benefits	90.89	81.91	68.86	55.23	44.42	35.28	Upgrade
Occupancy Expenses	9.44	8.16	9.28	7.21	4.04	3.73	Upgrade
Selling, General & Administrative	5.55	5.55	5.17	5.27	3.4	3.07	Upgrade
Other Non-Interest Expense	49.46	46.39	39.31	33.51	26.93	25.15	Upgrade
Total Non-Interest Expense	155.33	142.01	122.63	101.22	78.79	67.22	Upgrade
EBT Excluding Unusual Items	159.22	151.22	127.78	74.07	64.65	40.53	Upgrade
Pretax Income	159.22	151.22	127.78	74.07	64.65	40.53	Upgrade
Income Tax Expense	28.5	27.52	26.31	12.8	8.45	5.73	Upgrade
Net Income	130.73	123.7	101.46	61.27	56.2	34.8	Upgrade
Net Income to Common	130.73	123.7	101.46	61.27	56.2	34.8	Upgrade
Net Income Growth	16.57%	21.92%	65.60%	9.03%	61.48%	-17.85%	Upgrade
Basic Shares Outstanding	1	2	-	-	-	-	Upgrade
Diluted Shares Outstanding	1	2	-	-	-	-	Upgrade
EPS (Basic)	87.24	82.47	-	-	-	-	Upgrade
EPS (Diluted)	87.24	82.47	-	-	-	-	Upgrade
Dividend Per Share	4.620	4.620	-	-	-	-	Upgrade
Effective Tax Rate	17.90%	18.20%	20.59%	17.28%	13.07%	14.14%	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.