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
Period Ending	Sep '25 Sep 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
Interest Income on Loans	637.25	576.96	439.29	237.88	145.94	160.62
Interest Income on Investments	15.78	12.11	13.47	12.94	13.4	2.48
Total Interest Income	653.03	589.07	452.76	250.81	159.34	163.1
Interest Paid on Deposits	395.05	343.37	230.73	85.2	43.15	70.06
Total Interest Expense	395.05	343.37	230.73	85.2	43.15	70.06
Net Interest Income	257.97	245.7	222.03	165.61	116.19	93.04
Net Interest Income Growth (YoY)	9.14%	10.66%	34.06%	42.54%	24.88%	-13.45%
Gain (Loss) on Sale of Investments	-	-	-	9.48	15.73	17.66
Other Non-Interest Income	78.14	60.31	36.08	18.18	13.94	10.54
Total Non-Interest Income	78.14	60.31	36.08	27.66	29.67	28.2
Non-Interest Income Growth (YoY)	50.73%	67.15%	30.46%	-6.79%	5.22%	88.53%
Revenues Before Loan Losses	336.11	306.01	258.11	193.27	145.86	121.24
Provision for Loan Losses	14.39	12.77	7.7	17.98	2.42	13.49
Revenue	321.72	293.24	250.41	175.29	143.44	107.75
Revenue Growth (YoY)	16.28%	17.10%	42.85%	22.20%	33.12%	-10.13%
Salaries and Employee Benefits	94.23	81.91	68.86	55.23	44.42	35.28
Occupancy Expenses	9.73	8.16	9.28	7.21	4.04	3.73
Selling, General & Administrative	5.55	5.55	5.17	5.27	3.4	3.07
Other Non-Interest Expense	52.92	46.39	39.31	33.51	26.93	25.15
Total Non-Interest Expense	162.43	142.01	122.63	101.22	78.79	67.22
EBT Excluding Unusual Items	159.3	151.22	127.78	74.07	64.65	40.53
Pretax Income	159.3	151.22	127.78	74.07	64.65	40.53
Income Tax Expense	28.23	27.52	26.31	12.8	8.45	5.73
Net Income	131.06	123.7	101.46	61.27	56.2	34.8
Net Income to Common	131.06	123.7	101.46	61.27	56.2	34.8
Net Income Growth	10.86%	21.92%	65.60%	9.03%	61.48%	-17.85%
Basic Shares Outstanding	1	2	-	-	-	-
Diluted Shares Outstanding	1	2	-	-	-	-
EPS (Basic)	87.46	82.47	-	-	-	-
EPS (Diluted)	87.46	82.47	-	-	-	-
Dividend Per Share	4.620	4.620	-	-	-	-
Effective Tax Rate	17.72%	18.20%	20.59%	17.28%	13.07%	14.14%

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