Rogaland Sparebank
OSE:ROGS
Income Statement
Income Statement
Rogaland Sparebank
| Dec-2001 | Mar-2002 | Jun-2002 | Sep-2002 | Dec-2002 | Mar-2003 | Jun-2003 | Sep-2003 | Dec-2003 | Mar-2004 | Jun-2004 | Sep-2004 | Dec-2004 | Mar-2005 | Jun-2005 | Sep-2005 | Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
191
|
203
|
213
|
222
|
228
|
231
|
232
|
240
|
240
|
244
|
251
|
253
|
266
|
149
|
165
|
180
|
325
|
338
|
351
|
368
|
391
|
403
|
425
|
449
|
463
|
477
|
466
|
473
|
435
|
388
|
378
|
335
|
359
|
396
|
393
|
401
|
381
|
355
|
351
|
346
|
344
|
345
|
344
|
345
|
359
|
377
|
400
|
431
|
456
|
477
|
481
|
478
|
475
|
474
|
468
|
460
|
448
|
430
|
436
|
440
|
442
|
459
|
459
|
467
|
474
|
476
|
475
|
468
|
462
|
453
|
450
|
459
|
476
|
492
|
490
|
483
|
470
|
457
|
459
|
460
|
456
|
458
|
468
|
481
|
496
|
520
|
544
|
577
|
616
|
645
|
835
|
863
|
719
|
917
|
774
|
782
|
|
| Interest Income |
770
|
802
|
836
|
874
|
909
|
933
|
930
|
904
|
831
|
768
|
721
|
681
|
694
|
387
|
438
|
506
|
930
|
1 028
|
1 126
|
1 238
|
1 361
|
1 496
|
1 660
|
1 851
|
2 072
|
2 342
|
2 533
|
2 680
|
2 772
|
2 631
|
2 442
|
2 176
|
1 887
|
1 691
|
1 538
|
1 449
|
1 356
|
1 271
|
1 229
|
1 193
|
1 176
|
1 201
|
1 178
|
1 155
|
1 146
|
1 124
|
1 162
|
1 189
|
1 202
|
1 213
|
1 208
|
1 191
|
1 168
|
1 138
|
1 095
|
1 048
|
978
|
919
|
871
|
833
|
823
|
822
|
816
|
814
|
806
|
796
|
794
|
792
|
798
|
806
|
825
|
860
|
904
|
946
|
921
|
856
|
775
|
693
|
661
|
654
|
659
|
684
|
736
|
828
|
990
|
1 163
|
1 354
|
1 562
|
1 730
|
1 882
|
2 519
|
2 626
|
2 195
|
2 786
|
2 342
|
2 371
|
|
| Interest Expense |
579
|
599
|
623
|
652
|
682
|
703
|
698
|
664
|
591
|
524
|
470
|
428
|
428
|
239
|
272
|
326
|
606
|
689
|
774
|
870
|
970
|
1 093
|
1 235
|
1 402
|
1 609
|
1 865
|
2 067
|
2 207
|
2 337
|
2 243
|
2 064
|
1 841
|
1 528
|
1 295
|
1 145
|
1 048
|
974
|
916
|
878
|
847
|
832
|
856
|
833
|
810
|
788
|
747
|
762
|
758
|
745
|
736
|
726
|
713
|
693
|
664
|
627
|
588
|
530
|
489
|
436
|
393
|
381
|
363
|
357
|
347
|
332
|
320
|
319
|
324
|
336
|
353
|
374
|
401
|
428
|
454
|
430
|
373
|
305
|
236
|
202
|
194
|
203
|
226
|
268
|
348
|
494
|
643
|
809
|
985
|
1 114
|
1 236
|
1 336
|
1 415
|
1 477
|
1 870
|
1 568
|
1 588
|
|
| Non Interest Income |
61
|
66
|
46
|
44
|
39
|
32
|
64
|
81
|
92
|
108
|
97
|
101
|
95
|
44
|
68
|
81
|
150
|
169
|
154
|
160
|
173
|
179
|
220
|
229
|
228
|
212
|
199
|
154
|
103
|
120
|
97
|
136
|
167
|
147
|
138
|
133
|
135
|
153
|
158
|
137
|
124
|
126
|
127
|
136
|
171
|
151
|
141
|
141
|
94
|
97
|
105
|
103
|
92
|
83
|
99
|
59
|
62
|
55
|
95
|
162
|
185
|
207
|
172
|
146
|
135
|
120
|
138
|
132
|
131
|
143
|
139
|
143
|
151
|
115
|
137
|
142
|
145
|
176
|
153
|
157
|
163
|
175
|
190
|
174
|
165
|
154
|
152
|
175
|
171
|
176
|
214
|
288
|
267
|
318
|
299
|
229
|
|
| Revenue |
252
N/A
|
269
+7%
|
259
-4%
|
266
+3%
|
266
+0%
|
263
-1%
|
296
+13%
|
321
+8%
|
333
+4%
|
352
+6%
|
349
-1%
|
354
+2%
|
361
+2%
|
193
-46%
|
234
+21%
|
261
+12%
|
474
+82%
|
508
+7%
|
505
0%
|
528
+5%
|
563
+7%
|
582
+3%
|
645
+11%
|
678
+5%
|
692
+2%
|
689
0%
|
665
-4%
|
626
-6%
|
538
-14%
|
508
-6%
|
475
-6%
|
471
-1%
|
526
+12%
|
543
+3%
|
532
-2%
|
535
+1%
|
516
-3%
|
507
-2%
|
509
+0%
|
483
-5%
|
468
-3%
|
470
+0%
|
471
+0%
|
481
+2%
|
530
+10%
|
528
0%
|
541
+2%
|
572
+6%
|
550
-4%
|
574
+4%
|
587
+2%
|
581
-1%
|
567
-2%
|
556
-2%
|
568
+2%
|
519
-9%
|
510
-2%
|
485
-5%
|
531
+9%
|
602
+13%
|
626
+4%
|
666
+6%
|
631
-5%
|
613
-3%
|
609
-1%
|
596
-2%
|
613
+3%
|
600
-2%
|
593
-1%
|
596
+1%
|
589
-1%
|
602
+2%
|
627
+4%
|
607
-3%
|
627
+3%
|
626
0%
|
614
-2%
|
633
+3%
|
612
-3%
|
617
+1%
|
620
+0%
|
633
+2%
|
658
+4%
|
655
0%
|
661
+1%
|
675
+2%
|
697
+3%
|
751
+8%
|
787
+5%
|
821
+4%
|
1 050
+28%
|
1 151
+10%
|
985
-14%
|
1 235
+25%
|
1 073
-13%
|
1 011
-6%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(20)
|
(25)
|
(26)
|
(35)
|
(27)
|
(29)
|
(34)
|
(31)
|
(38)
|
(39)
|
(38)
|
(28)
|
(15)
|
(2)
|
2
|
1
|
(0)
|
(0)
|
1
|
(0)
|
2
|
2
|
3
|
(1)
|
12
|
11
|
5
|
1
|
(162)
|
(164)
|
(169)
|
(168)
|
(13)
|
(22)
|
(121)
|
(120)
|
(166)
|
(155)
|
(46)
|
(40)
|
25
|
26
|
22
|
25
|
(3)
|
(8)
|
(4)
|
(11)
|
(22)
|
(23)
|
(26)
|
(26)
|
(39)
|
(45)
|
(69)
|
(86)
|
(234)
|
(268)
|
(262)
|
(259)
|
(112)
|
(86)
|
(84)
|
(77)
|
(73)
|
(72)
|
(56)
|
(50)
|
(24)
|
(12)
|
(15)
|
(10)
|
(14)
|
(26)
|
(26)
|
(23)
|
(25)
|
19
|
40
|
30
|
32
|
8
|
(8)
|
(2)
|
(11)
|
(11)
|
(21)
|
(13)
|
(11)
|
(9)
|
(18)
|
(31)
|
(24)
|
(30)
|
(27)
|
(19)
|
|
| Non Interest Expense |
(123)
|
(127)
|
(131)
|
(135)
|
(134)
|
(146)
|
(150)
|
(160)
|
(181)
|
(201)
|
(196)
|
(201)
|
(196)
|
(104)
|
(128)
|
(144)
|
(236)
|
(253)
|
(264)
|
(275)
|
(297)
|
(318)
|
(336)
|
(355)
|
(397)
|
(400)
|
(404)
|
(407)
|
(463)
|
(467)
|
(479)
|
(478)
|
(386)
|
(366)
|
(377)
|
(381)
|
(370)
|
(383)
|
(365)
|
(353)
|
(382)
|
(379)
|
(363)
|
(357)
|
(333)
|
(328)
|
(334)
|
(338)
|
(299)
|
(317)
|
(310)
|
(301)
|
(345)
|
(329)
|
(382)
|
(380)
|
(385)
|
(374)
|
(321)
|
(316)
|
(297)
|
(293)
|
(290)
|
(291)
|
(281)
|
(276)
|
(271)
|
(269)
|
(269)
|
(273)
|
(276)
|
(277)
|
(280)
|
(279)
|
(277)
|
(278)
|
(279)
|
(283)
|
(315)
|
(322)
|
(324)
|
(329)
|
(318)
|
(325)
|
(335)
|
(349)
|
(361)
|
(366)
|
(380)
|
(373)
|
(447)
|
(496)
|
(426)
|
(531)
|
(466)
|
(428)
|
|
| Pre-Tax Income |
108
N/A
|
117
+8%
|
102
-13%
|
96
-6%
|
105
+9%
|
87
-17%
|
112
+29%
|
129
+15%
|
114
-12%
|
112
-2%
|
114
+2%
|
126
+10%
|
150
+19%
|
86
-42%
|
108
+24%
|
118
+10%
|
238
+102%
|
254
+7%
|
243
-5%
|
253
+4%
|
268
+6%
|
267
0%
|
312
+17%
|
323
+3%
|
306
-5%
|
300
-2%
|
265
-12%
|
221
-17%
|
(87)
N/A
|
(124)
-43%
|
(173)
-40%
|
(174)
-1%
|
127
N/A
|
155
+22%
|
33
-79%
|
33
+1%
|
(20)
N/A
|
(32)
-58%
|
98
N/A
|
89
-10%
|
111
+25%
|
118
+6%
|
130
+11%
|
148
+14%
|
194
+31%
|
192
-1%
|
203
+6%
|
223
+10%
|
229
+3%
|
235
+2%
|
251
+7%
|
254
+1%
|
183
-28%
|
182
-1%
|
117
-36%
|
52
-55%
|
(109)
N/A
|
(156)
-43%
|
(52)
+67%
|
27
N/A
|
218
+699%
|
288
+32%
|
257
-11%
|
246
-4%
|
256
+4%
|
247
-3%
|
286
+16%
|
281
-2%
|
300
+7%
|
311
+4%
|
298
-4%
|
315
+6%
|
333
+6%
|
302
-10%
|
324
+7%
|
324
+0%
|
311
-4%
|
368
+18%
|
336
-9%
|
324
-4%
|
328
+1%
|
312
-5%
|
331
+6%
|
328
-1%
|
314
-4%
|
314
+0%
|
314
+0%
|
372
+18%
|
396
+6%
|
439
+11%
|
467
+6%
|
505
+8%
|
535
+6%
|
555
+4%
|
580
+4%
|
563
-3%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(28)
|
(31)
|
(26)
|
(25)
|
(30)
|
(25)
|
(32)
|
(34)
|
(12)
|
(16)
|
(12)
|
(18)
|
(38)
|
(20)
|
(21)
|
(27)
|
(55)
|
(60)
|
(65)
|
(66)
|
(77)
|
(76)
|
(90)
|
(94)
|
(80)
|
(79)
|
(75)
|
(60)
|
(2)
|
8
|
23
|
21
|
(46)
|
(53)
|
(13)
|
(16)
|
8
|
12
|
(23)
|
(16)
|
(32)
|
(35)
|
(41)
|
(47)
|
(45)
|
(44)
|
(46)
|
(52)
|
(60)
|
(63)
|
(67)
|
(68)
|
(55)
|
(52)
|
(32)
|
(17)
|
35
|
48
|
27
|
13
|
(47)
|
(64)
|
(60)
|
(60)
|
(59)
|
(57)
|
(62)
|
(60)
|
(55)
|
(50)
|
(40)
|
(44)
|
(56)
|
(48)
|
(53)
|
(53)
|
(50)
|
(70)
|
(70)
|
(59)
|
(47)
|
(35)
|
(30)
|
(38)
|
(48)
|
(48)
|
(49)
|
(62)
|
(66)
|
(84)
|
(80)
|
(70)
|
(78)
|
(50)
|
(69)
|
(82)
|
|
| Income from Continuing Operations |
80
|
86
|
76
|
72
|
75
|
62
|
80
|
95
|
102
|
96
|
102
|
108
|
111
|
67
|
86
|
91
|
183
|
194
|
178
|
188
|
192
|
191
|
222
|
229
|
226
|
221
|
190
|
161
|
(89)
|
(116)
|
(150)
|
(154)
|
80
|
102
|
20
|
18
|
(12)
|
(20)
|
76
|
73
|
79
|
82
|
89
|
101
|
149
|
148
|
157
|
171
|
169
|
171
|
184
|
187
|
129
|
130
|
85
|
36
|
(74)
|
(108)
|
(25)
|
41
|
172
|
223
|
197
|
186
|
197
|
190
|
225
|
221
|
244
|
261
|
258
|
271
|
277
|
253
|
270
|
271
|
261
|
299
|
266
|
266
|
281
|
277
|
301
|
290
|
266
|
266
|
266
|
310
|
330
|
355
|
387
|
436
|
458
|
506
|
511
|
481
|
|
| Income to Minority Interest |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
4
|
5
|
4
|
5
|
2
|
1
|
3
|
2
|
(1)
|
(2)
|
(4)
|
(2)
|
0
|
(1)
|
0
|
(3)
|
(2)
|
(1)
|
(1)
|
(3)
|
(3)
|
0
|
1
|
3
|
7
|
5
|
4
|
4
|
2
|
1
|
1
|
1
|
0
|
(0)
|
(0)
|
(0)
|
(1)
|
0
|
0
|
0
|
(0)
|
0
|
0
|
0
|
(0)
|
0
|
0
|
0
|
(1)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Net Income (Common) |
80
N/A
|
86
+7%
|
76
-12%
|
72
-5%
|
75
+5%
|
62
-17%
|
80
+30%
|
95
+19%
|
102
+6%
|
96
-5%
|
102
+6%
|
108
+6%
|
111
+3%
|
67
-40%
|
86
+29%
|
91
+6%
|
183
+101%
|
194
+6%
|
178
-8%
|
188
+6%
|
192
+2%
|
191
0%
|
222
+16%
|
229
+3%
|
227
-1%
|
221
-2%
|
191
-14%
|
162
-15%
|
(85)
N/A
|
(111)
-31%
|
(146)
-31%
|
(149)
-2%
|
82
N/A
|
103
+25%
|
23
-78%
|
20
-14%
|
(16)
N/A
|
(25)
-54%
|
68
N/A
|
68
0%
|
79
+17%
|
82
+3%
|
89
+9%
|
98
+10%
|
147
+50%
|
136
-7%
|
129
-5%
|
125
-4%
|
95
-24%
|
98
+3%
|
106
+8%
|
109
+3%
|
78
-28%
|
77
-1%
|
51
-34%
|
23
-55%
|
(43)
N/A
|
(62)
-46%
|
(13)
+79%
|
34
N/A
|
112
+224%
|
144
+29%
|
133
-8%
|
120
-10%
|
128
+7%
|
124
-3%
|
147
+18%
|
145
-2%
|
159
+10%
|
170
+7%
|
168
-1%
|
177
+5%
|
181
+2%
|
165
-9%
|
174
+5%
|
173
0%
|
165
-5%
|
189
+15%
|
169
-11%
|
169
0%
|
178
+6%
|
176
-2%
|
191
+9%
|
184
-4%
|
169
-8%
|
169
0%
|
169
0%
|
197
+17%
|
210
+7%
|
226
+8%
|
247
+9%
|
276
+12%
|
285
+3%
|
316
+11%
|
319
+1%
|
300
-6%
|
|
| EPS (Diluted) |
12.33
N/A
|
13.18
+7%
|
11.61
-12%
|
11
-5%
|
11.52
+5%
|
9.51
-17%
|
12.34
+30%
|
14.64
+19%
|
11.66
-20%
|
11.08
-5%
|
11.73
+6%
|
12.41
+6%
|
12.81
+3%
|
7.68
-40%
|
9.94
+29%
|
10.51
+6%
|
21.05
+100%
|
22.37
+6%
|
20.48
-8%
|
21.39
+4%
|
22.01
+3%
|
22.01
N/A
|
20.71
-6%
|
17.12
-17%
|
23.11
+35%
|
20.24
-12%
|
16.43
-19%
|
13.94
-15%
|
-7.35
N/A
|
-9.6
-31%
|
-12.59
-31%
|
-12.8
-2%
|
7.11
N/A
|
8.88
+25%
|
1.99
-78%
|
1.7
-15%
|
-1.38
N/A
|
-2.13
-54%
|
5.84
N/A
|
5.83
0%
|
6.83
+17%
|
7.03
+3%
|
7.68
+9%
|
8.45
+10%
|
12.66
+50%
|
11.74
-7%
|
11.14
-5%
|
11.08
-1%
|
11.04
0%
|
11.41
+3%
|
9.15
-20%
|
9.38
+3%
|
9.06
-3%
|
8.97
-1%
|
4.94
-45%
|
2.07
-58%
|
-4.96
N/A
|
-7.25
-46%
|
-1.56
+78%
|
1.49
N/A
|
4.86
+226%
|
6.27
+29%
|
5.78
-8%
|
5.21
-10%
|
5.6
+7%
|
5.36
-4%
|
6.38
+19%
|
6.3
-1%
|
6.9
+10%
|
7.42
+8%
|
7.25
-2%
|
7.83
+8%
|
7.9
+1%
|
12.24
+55%
|
12.9
+5%
|
8.23
-36%
|
7.9
-4%
|
8.84
+12%
|
8.05
-9%
|
8.06
+0%
|
8.53
+6%
|
8.38
-2%
|
9.11
+9%
|
8.77
-4%
|
8.1
-8%
|
8.05
-1%
|
8.04
0%
|
9.36
+16%
|
10
+7%
|
10.76
+8%
|
11.75
+9%
|
11.98
+2%
|
12.4
+4%
|
13.47
+9%
|
13.36
-1%
|
12.52
-6%
|
|