SpareBank 1 Nordmøre (OSL:SNOR)

SpareBank 1 Nordmøre Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,496	1,452	1,230	752	460	381
Interest Income on Investments	266	204	171	91	59	47
Total Interest Income	1,762	1,656	1,401	843	519	428
Interest Paid on Deposits	1,004	954	760	342	155	180
Net Interest Income	758	702	641	501	364	248
Net Interest Income Growth (YoY)	6.31%	9.52%	27.94%	37.64%	46.77%	-9.36%
Gain (Loss) on Sale of Investments	85	85	31	55	-10	-8
Gain (Loss) on Sale of Equity Investments	12	84	-2	11	46	42
Other Non-Interest Income	287	222	219	231	232	166
Total Non-Interest Income	384	391	248	297	268	200
Non-Interest Income Growth (YoY)	19.25%	57.66%	-16.50%	10.82%	34.00%	-25.31%
Revenues Before Loan Losses	1,142	1,093	889	798	632	448
Provision for Loan Losses	63	78	54	28	35	20
Revenue	1,079	1,015	835	770	597	428
Revenue Growth (YoY)	10.89%	21.56%	8.44%	28.98%	39.49%	-17.71%
Salaries and Employee Benefits	248	240	234	202	180	132
Selling, General & Administrative	4	12	19	20	17	12
Other Non-Interest Expense	191	166	173	157	225	108
Total Non-Interest Expense	443	418	426	379	422	252
EBT Excluding Unusual Items	636	597	409	391	175	176
Pretax Income	636	597	409	391	175	176
Income Tax Expense	120	110	94	58	29	30
Earnings From Continuing Operations	516	487	315	333	146	146
Minority Interest in Earnings	-2	-1	-1	-2	-4	-2
Net Income	514	486	314	331	142	144
Preferred Dividends & Other Adjustments	93	316	203	207	89	123
Net Income to Common	421	170	111	124	53	21
Net Income Growth	16.03%	54.78%	-5.14%	133.10%	-1.39%	-37.33%
Basic Shares Outstanding	-	9	9	9	9	2
Diluted Shares Outstanding	-	9	9	9	9	2
Shares Change (YoY)	-	0.18%	0.28%	1.29%	291.46%	-22.02%
EPS (Basic)	-	18.82	12.31	13.79	5.97	9.26
EPS (Diluted)	-	18.82	12.31	13.79	5.97	9.26
EPS Growth	-	52.88%	-10.73%	130.99%	-35.53%	-41.54%
Dividend Per Share	8.500	8.500	7.000	8.000	5.000	6.500
Dividend Growth	21.43%	21.43%	-12.50%	60.00%	-23.08%	-
Effective Tax Rate	18.87%	18.43%	22.98%	14.83%	16.57%	17.04%

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