Flekkefjord Sparebank Balance Sheet

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
Cash & Equivalents	105.26	126.07	196.52	251.89	181.68	111.68
Investment Securities	1,455	1,319	1,166	1,008	892.19	830.56
Total Investments	1,455	1,319	1,166	1,008	892.19	830.56
Gross Loans	10,889	9,374	8,297	7,178	6,661	6,190
Allowance for Loan Losses	-33.36	-29.49	-19.74	-35.64	-20.08	-24.03
Net Loans	10,856	9,344	8,277	7,143	6,640	6,166
Property, Plant & Equipment	78.59	74.03	72.26	53.95	27.04	10.87
Other Intangible Assets	15.13	7.68	6.7	7.28	5.31	3.24
Investments in Real Estate	-	-	-	-	-	1.5
Other Current Assets	-	6.66	7.43	4.23	-	-
Long-Term Deferred Tax Assets	-	-	4.31	3.91	-	-
Other Real Estate Owned & Foreclosed	-	10.1	-	-	-	-
Other Long-Term Assets	32.28	9.15	6.04	3.41	8.63	6.55
Total Assets	12,543	10,896	9,736	8,475	7,755	7,131
Accounts Payable	0.06	-	4.82	7.62	2.95	2.28
Accrued Expenses	-	-	23.86	17.16	13.85	10.14
Interest Bearing Deposits	8,334	7,269	6,760	6,011	5,457	5,039
Total Deposits	8,334	7,269	6,760	6,011	5,457	5,039
Current Portion of Long-Term Debt	403.34	401.25	404.26	302.41	270.32	1.9
Current Portion of Leases	-	0.74	0.73	0.72	0.71	-
Current Income Taxes Payable	-	23.24	29.03	13.86	10.96	8.85
Other Current Liabilities	-	-	-	1.96	0.88	1.87
Long-Term Debt	2,163	1,664	1,256	1,075	1,002	1,125
Long-Term Leases	1.15	0.72	1.43	2.11	2.77	-
Long-Term Unearned Revenue	-	-	9.15	-	-	-
Pension & Post-Retirement Benefits	-	0.58	1.62	-	-	-
Long-Term Deferred Tax Liabilities	0	-	-	-	-	-
Other Long-Term Liabilities	77.12	47.47	2.55	8.64	14.21	12.27
Total Liabilities	10,979	9,406	8,493	7,441	6,775	6,201
Common Stock	1,249	1,260	1,047	958.38	875.31	841.46
Retained Earnings	93.81	0.39	-	-	-	-
Comprehensive Income & Other	221.69	230.01	196.39	76.03	104.94	88.33
Shareholders' Equity	1,564	1,490	1,244	1,034	980.26	929.78
Total Liabilities & Equity	12,543	10,896	9,736	8,475	7,755	7,131
Total Debt	2,568	2,066	1,662	1,380	1,276	1,127
Net Cash (Debt)	-2,463	-1,940	-1,465	-1,128	-1,094	-1,015
Net Cash Per Share	-1643.34	-1293.53	-	-	-	-
Filing Date Shares Outstanding	1.5	1.5	-	-	-	-
Total Common Shares Outstanding	1.5	1.5	-	-	-	-
Book Value Per Share	968.95	913.45	-	-	-	-
Tangible Book Value	1,549	1,483	1,237	1,027	974.95	926.54
Tangible Book Value Per Share	958.85	908.34	-	-	-	-

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