Flekkefjord Sparebank Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	243.96	246.76	0	208.56	152.68	102.79
Net Interest Income Growth	2.80%	-	-	36.60%	48.53%	13.51%
Non-Interest Income	109.4	85.22	0	45.63	36.74	33.26
Non-Interest Income Growth	29.87%	-	-	24.19%	10.47%	79.44%
Revenues Before Loan Losses	353.36	331.98	0	254.18	189.42	136.05
Provision for Credit Losses	7.84	9.46	0	7.7	17.98	2.42
Revenue	345.52	322.52	0	246.49	171.44	133.63
Revenue Growth (YoY)	11.57%	-	-	43.78%	28.29%	39.77%
Compensation Expenses	104.3	97.78	0	68.86	55.23	44.42
Selling, General & Admin	71.39	68.27	0	50.8	44.4	36.25
Other Non-Interest Expenses	10.19	9.94	0	9.28	7.21	4.56
Total Non-Interest Expense	185.88	175.98	0	128.94	106.84	85.24
Pretax Income	159.64	159.66	0	127.77	74.07	64.65
Provision for Income Taxes	32.45	32.97	0	26.31	12.8	8.45
Net Income	127.2	126.69	0	101.46	61.27	56.2
Minority Interest in Earnings	1.01	-	-	-	-	-
Net Income to Common	127.2	126.69	0	101.46	61.27	56.2
Net Income Growth	1.48%	-	-	65.60%	9.03%	61.48%
Shares Outstanding (Basic)	1	2	2	-	-	-
Shares Outstanding (Diluted)	1	2	2	-	-	-
Shares Change (YoY)	-0.07%	-	-	-	-	-
EPS (Basic)	84.86	7.93	4.86	-	-	-
EPS (Diluted)	84.86	7.93	4.86	-	-	-
EPS Growth	1.55%	63.17%	-	-	-	-
Free Cash Flow	-	-611.29	-474.43	-347.81	97.58	-56.33
Free Cash Flow Per Share	-	-407.52	-316.29	-	-	-
Dividends Per Share	6.400	6.400	4.600	-	-	-
Dividend Growth	-	39.13%	-	-	-	-
Profit Margin	36.81%	39.28%	-	41.16%	35.74%	42.05%
FCF Margin	-	-189.53%	-	-141.11%	56.92%	-42.15%
Effective Tax Rate	20.32%	20.65%	-	20.59%	17.28%	13.07%