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
Interest Income on Loans	661.63	654.48	576.96	439.29	237.88	145.94
Interest Income on Investments	15.35	13.74	12.11	13.47	12.94	13.4
Total Interest Income	676.97	668.21	589.07	452.76	250.81	159.34
Interest Paid on Deposits	417.07	407.12	343.37	230.73	85.2	43.15
Total Interest Expense	417.07	407.12	343.37	230.73	85.2	43.15
Net Interest Income	259.9	261.09	245.7	222.03	165.61	116.19
Net Interest Income Growth (YoY)	2.81%	6.26%	10.66%	34.06%	42.54%	24.88%
Gain (Loss) on Sale of Investments	-	-	-	-	9.48	15.73
Other Non-Interest Income	71.24	61.44	60.31	36.08	18.18	13.94
Total Non-Interest Income	71.24	61.44	60.31	36.08	27.66	29.67
Non-Interest Income Growth (YoY)	19.63%	1.87%	67.15%	30.46%	-6.79%	5.22%
Revenues Before Loan Losses	331.14	322.53	306.01	258.11	193.27	145.86
Provision for Loan Losses	7.84	9.46	12.77	7.7	17.98	2.42
Revenue	323.31	313.07	293.24	250.41	175.29	143.44
Revenue Growth (YoY)	7.58%	6.76%	17.10%	42.85%	22.20%	33.12%
Salaries and Employee Benefits	95.61	89.09	81.91	68.86	55.23	44.42
Occupancy Expenses	10.17	9.91	8.16	9.28	7.21	4.04
Selling, General & Administrative	3.78	3.78	5.55	5.17	5.27	3.4
Other Non-Interest Expense	56.7	53.22	46.39	39.31	33.51	26.93
Total Non-Interest Expense	166.27	156.01	142.01	122.63	101.22	78.79
EBT Excluding Unusual Items	157.04	157.06	151.22	127.78	74.07	64.65
Pretax Income	157.04	157.06	151.22	127.78	74.07	64.65
Income Tax Expense	31.87	32.4	27.52	26.31	12.8	8.45
Net Income	125.17	124.67	123.7	101.46	61.27	56.2
Net Income to Common	125.17	124.67	123.7	101.46	61.27	56.2
Net Income Growth	-0.14%	0.78%	21.92%	65.60%	9.03%	61.48%
Basic Shares Outstanding	2	1	2	-	-	-
Diluted Shares Outstanding	2	1	2	-	-	-
Shares Change (YoY)	0.10%	-0.10%	-	-	-	-
EPS (Basic)	83.45	83.19	82.47	-	-	-
EPS (Diluted)	83.45	83.19	82.47	-	-	-
EPS Growth	-0.24%	0.88%	-	-	-	-
Dividend Per Share	6.400	6.400	4.600	-	-	-
Dividend Growth	39.13%	39.13%	-	-	-	-
Effective Tax Rate	20.29%	20.63%	18.20%	20.59%	17.28%	13.07%