Melhus Sparebank Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	621.53	623.95	533.12	316.08	228.98
Interest Income on Investments	60.22	46.99	45.78	29.67	-
Total Interest Income	681.75	670.93	578.9	345.75	228.98
Interest Paid on Deposits	408.59	401.7	315.46	138.83	64.9
Net Interest Income	273.17	269.23	263.44	206.92	164.08
Net Interest Income Growth (YoY)	1.46%	2.20%	27.31%	26.11%	10.92%
Gain (Loss) on Sale of Investments	-	-	-	4.36	3.55
Other Non-Interest Income	75.91	74.88	78.88	49.56	65.94
Total Non-Interest Income	75.91	74.88	78.88	53.92	69.49
Non-Interest Income Growth (YoY)	1.37%	-5.07%	46.28%	-22.40%	8.29%
Revenues Before Loan Losses	349.08	344.12	342.32	260.85	233.58
Provision for Loan Losses	12.78	15.7	22.69	8.68	-8.07
Revenue	336.3	328.42	319.63	252.17	241.65
Revenue Growth (YoY)	2.40%	2.75%	26.75%	4.35%	17.18%
Salaries and Employee Benefits	84.4	79.3	70.79	62.9	58.27
Occupancy Expenses	8.4	5.77	9.62	6.1	9.09
Selling, General & Administrative	7.86	7.5	6.64	6.82	3.45
Other Non-Interest Expense	57.77	56.13	55.54	41.41	43.58
Total Non-Interest Expense	158.43	148.7	142.59	117.22	108.55
EBT Excluding Unusual Items	177.87	179.72	177.03	134.95	133.09
Other Unusual Items	-	-	-	-9.7	-
Pretax Income	177.87	179.72	177.03	125.25	133.09
Income Tax Expense	37.73	40.21	41.68	24.63	27.86
Earnings From Continuing Operations	140.14	139.51	135.35	100.62	105.24
Net Income	140.14	139.51	135.35	100.62	105.24
Preferred Dividends & Other Adjustments	99.87	97.09	90.67	65.3	66.65
Net Income to Common	40.27	42.42	44.68	35.31	38.59
Net Income Growth	0.46%	3.07%	34.52%	-4.39%	19.31%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
EPS (Basic)	14.50	15.28	16.09	12.72	13.90
EPS (Diluted)	14.50	15.28	16.09	12.72	13.90
EPS Growth	-5.08%	-5.06%	26.52%	-8.49%	17.38%
Dividend Per Share	13.500	13.500	12.500	11.000	10.500
Dividend Growth	-	8.00%	13.64%	4.76%	50.00%
Effective Tax Rate	21.21%	22.38%	23.54%	19.66%	20.93%

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