Great southern bancorp, inc. (GSBC)
CashFlow / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11
CASH FLOWS FROM OPERATING ACTIVITIES
Net income

14,868

17,892

19,732

18,376

17,612

17,288

22,516

13,839

13,466

12,206

11,663

16,177

11,518

11,794

11,221

12,534

9,793

11,650

11,196

12,003

11,653

12,067

11,590

11,054

8,818

8,673

8,438

8,224

8,394

12,449

7,104

21,656

7,497

12,031

6,455

5,890

5,893

Proceeds from sales of loans held for sale

33,914

49,611

47,028

20,804

13,571

20,193

22,600

26,822

22,807

34,484

48,556

31,771

23,848

38,206

48,511

37,447

32,671

31,871

46,557

46,152

34,150

54,760

53,950

26,702

21,220

31,362

58,846

76,124

49,412

84,430

68,332

57,468

59,587

68,353

36,674

34,349

52,100

Originations of loans held for sale

38,745

-224,801

45,719

29,643

13,502

-149,594

20,570

64,144

-18,926

-30,831

-33,400

-34,417

-27,567

-40,997

-47,071

-41,892

-26,076

-33,514

-38,717

-46,987

-36,462

-37,822

-73,163

-35,700

-13,389

-27,875

-45,032

-68,933

-57,070

-73,645

-74,054

-65,796

-50,684

-75,322

-47,846

-35,082

-36,831

Items not requiring (providing) cash:
Depreciation

2,484

2,481

2,445

2,367

2,264

2,276

2,273

2,343

2,226

2,219

2,269

2,280

2,352

2,400

2,404

3,676

1,336

2,377

3,492

2,290

2,306

2,337

2,190

2,131

2,089

2,065

2,036

1,981

1,954

1,913

1,887

1,763

1,596

1,378

1,305

1,210

1,206

Amortization

412

502

507

507

552

454

541

542

754

667

668

668

728

872

911

910

963

-

-

857

858

-

-

-

-

-

-

-

-

-

-

-

-

2,680

560

560

561

Amortization of other assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

860

765

760

-

1,885

1,844

1,692

-

1,779

1,503

1,461

-

-

-

9,510

Compensation expense for stock option grants

292

255

224

223

220

198

182

180

177

152

139

136

137

135

116

116

116

-13

132

132

131

156

136

137

136

110

112

111

110

115

106

103

111

126

121

120

119

Provision for loan losses

3,871

650

1,950

1,600

1,950

1,950

1,300

1,950

1,950

1,950

2,950

1,950

2,250

2,380

2,500

2,300

2,101

1,216

1,703

1,300

1,300

52

945

1,463

1,691

2,813

2,677

3,671

8,225

7,786

8,400

17,600

10,077

10,205

8,500

8,431

8,200

Net gains on loan sales

590

962

1,022

375

248

350

417

559

462

807

719

752

872

879

1,217

1,013

832

810

1,079

1,059

940

-

-

-1,706

549

679

1,179

1,628

1,429

1,855

1,404

1,096

1,150

1,172

3,961

-2,516

907

Net realized gains on sales of available-for-sale securities

0

-72

0

0

10

0

2

0

0

-

-

-

-

5,754

-143

-2,735

-3

-

-

-

-

-1,176

-321

-569

-73

-2

-110

-97

-34

-199

-507

-1,252

-28

-

-

-

-

Net (gains) losses on sale of premises and equipment

28

53

45

-13

-8

315

-28

-132

38

114

39

136

8

-1

-6

-9

-233

96

70

-625

-6

64

-5

-46

5

-50

7

1

-18

105

-18

-12

189

50

2

-18

168

Net losses on sale/write-down of other real estate owned and repossessions

67

-

44

41

120

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Losses on sale/write-down of other real estate owned and repossessions

-

-

-

-

-

-

-

-

389

-660

813

-360

-242

451

-29

196

-129

-438

-205

-358

-131

1,636

570

667

123

-

-

-

-

4,112

1,205

664

-1,013

12,845

1,403

-802

266

Gain realized on sale of business units

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-368

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accretion of deferred income, premiums, discounts and other

1,953

-6,848

959

980

1,010

-4,950

745

1,994

-707

-455

-520

-325

-647

-374

2,370

277

2,150

1,884

3,238

4,109

1,364

5,669

5,418

5,184

6,421

6,992

7,859

4,897

9,762

7,889

7,530

6,176

-3,591

-

-

-

-

Loss on sale of foreclosed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,055

497

-

-

-

-

-

-

-

-

Loss on derivative interest rate products

-407

65

-101

-43

-25

-28

5

11

37

33

8

-20

7

-

-

-

-

-

-

-

92

-

-

-

-103

-

-

-

-

-

-

-

-96

-

-

-

-

Deferred income taxes

-11,049

1,267

-771

291

287

1,828

266

-189

-6,355

13,109

497

-2,696

-1,487

-551

-334

-1,805

-931

2,687

-1,148

-6,440

231

-1,890

-3,999

895

-1,266

4,786

-8,524

1,559

-6,660

9,748

-6,233

9,932

-195

-6,539

4,688

-3,208

-4,245

Changes in
Interest receivable

282

-335

-650

-199

1,102

-1,780

559

-83

194

-1,132

-388

214

843

-1,200

1,162

-502

5

111

265

51

-138

-5

471

-134

895

-476

1,405

95

323

428

761

556

1,020

-673

108

-23

961

Prepaid expenses and other assets

-1,125

-3,276

-91

5,432

-3,401

8,969

117

-14,279

8,195

-4,956

1,170

-522

-919

2,371

-4,890

8,430

6,744

-4,388

3,804

9,060

-4,494

4,243

4,475

1,880

-2,168

-23,773

20,204

165

-4,125

-42,519

11,588

44,107

18,237

6,471

-17,560

-611

4,988

Accrued expenses and other liabilities

564

-608

-1,110

313

4,130

-1,051

-526

1,524

333

1,034

-385

1,981

-809

-886

5,460

-4,645

-2,649

-1,427

-1,145

-570

6,496

-2,183

6,177

-3,104

-388

-116

1,826

1,432

1,118

-1,967

-2,695

1,322

216

849

389

-49

-1,207

Income taxes refundable/payable

12,332

-1,815

1,859

1,063

1,492

362

3,788

1,497

5,873

-16,119

-3,343

318

3,866

782

299

3,576

2,827

-5,316

-1,386

3,971

-1,878

-

-

-

86

-5,777

7,798

-6,720

-410

4,090

7,003

-826

1,146

4,267

-2,225

-4,515

4,947

Net cash provided by operating activities

17,689

22,244

25,005

9,410

29,760

20,821

22,958

20,501

29,915

10,941

30,001

8,875

13,000

14,266

21,206

17,520

27,647

6,474

26,649

23,774

14,532

33,478

9,485

-44

24,514

164

58,643

23,434

11,680

8,976

30,888

62,672

44,380

38,459

2,806

14,438

45,729

CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans

45,415

-204,721

40,329

32,339

50,733

-319,617

69,788

131,372

-29,488

391

30,774

25,691

79,740

-75,662

33,512

-74,832

-28,119

-50,372

-18,422

-65,369

-55,991

-96,298

-100,769

-89,018

-54,050

-14,136

4,158

-999

-22,203

2,970

-45,176

57,710

-16,929

-49,526

-53,346

-42,609

-27,545

Purchase of loans

587

-154,707

12,305

31,000

14,240

-185,420

15,203

55,179

-13,000

70,276

-85,495

-76,764

-41,035

-8,831

-68,093

-58,676

-10,000

-21,914

-51,526

-17,719

-26,475

-28,588

-33,318

-19,628

-20,298

-

-

-

-

-11,350

0

0

-12,107

-

-

-

-

Cash received from purchase of additional business units

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

44,363

-

-

-

-

0

0

109,409

80,028

-

-

-

-

-

-

-

-

-

-

-

-

Cash received from FDIC loss sharing reimbursements

-

-

-

-

-

-

-

-

-

1

0

14,930

1,315

298

-4,723

4,456

216

209

900

989

501

845

1,638

4,783

1,111

-

-

6,474

9,618

-

-

-

-

-

-

-

-

Cash paid for sale of business units

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-17,821

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of additional business units

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

1

-2

Purchase of premises and equipment

2,569

-20,063

1,566

4,345

2,363

-17,150

1,779

10,346

-4,292

-2,858

-1,847

-989

-1,710

-2,657

-2,398

-1,453

-4,370

-3,858

-4,184

-6,859

-1,796

-6,356

-4,428

-5,568

-1,602

-4,092

-4,013

-3,002

-2,746

-5,263

-7,554

-4,489

-10,519

-6,979

-3,859

-5,050

-3,537

Proceeds from sale of premises and equipment

100

32

59

30

83

32

2,273

12

11

44

47

407

67

100

308

-163

933

-322

301

1,863

41

5

1

112

85

243

71

42

1,162

1,240

334

146

8

558

309

54

86

Proceeds from sale of other real estate owned and repossessions

1,328

2,377

8,330

2,281

2,256

4,302

7,268

4,536

4,320

10,852

6,832

6,726

9,230

8,439

7,127

7,362

5,434

5,609

6,777

7,922

3,189

4,045

5,299

6,144

6,218

12,927

16,642

10,297

9,034

12,515

14,250

15,108

9,352

11,328

3,279

2,532

4,635

Capitalized costs on other real estate owned

-

-

-

-

-

-

-

-

-

0

0

0

-117

-

-

-

-

0

0

-12

-8

-104

-55

-33

-7

-166

-117

-98

-76

-235

-180

6

-101

-28

-41

-34

-164

Proceeds from maturities, calls and repayments of held-to-maturity securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,202

Capitalized costs on other real estate owned

-126

-

-93

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from termination of interest rate derivative

45,864

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of available-for-sale securities

0

25,638

0

0

28,057

0

502

0

0

-

-

-

-

5,385

25,715

0

23,900

-

-

-

-

40,965

137,892

40,032

1,280

-

-

-

-

245

3,150

73,475

1,224

-

-

-

-

Proceeds from maturities and calls of available-for-sale securities

7,850

21,399

5,500

2,335

5,535

23,368

335

1

2,030

27,175

3,234

1,000

5,345

32,811

21,060

376

6,580

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from maturing securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

110

-

0

0

110

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from called securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,000

798

4,345

-

1,700

2,775

1,760

-

0

500

3,660

-

2,910

21,025

5,810

-

1,090

100

6,645

Principal reductions on mortgage-backed securities

5,908

-

5,386

4,243

3,159

-

6,604

5,720

4,810

-

7,384

7,193

5,257

-

9,560

8,357

7,473

-

15,689

16,360

16,088

-

24,232

26,939

27,057

-

53,416

81,196

45,098

-

39,575

37,651

30,355

-

27,488

28,964

32,999

Purchase of available-for-sale securities

20,263

-350,785

48,593

27,794

66,764

-130,055

29,988

8,548

-1,859

-3,852

0

0

0

-26,243

-20,803

0

-24,858

-

-

-

-

0

-20,747

-15,831

-4,083

-4,575

-4,938

-28,784

-58,703

-69,536

-10,370

-40,607

-34,826

-87,803

-10,388

-13,600

-112,823

Redemption of Federal Home Loan Bank stock and change in other interest-earning assets

3,577

-362

672

-8,150

6,805

-4,992

-760

3,992

504

2,100

-440

-6,102

6,294

-759

9,928

-7,399

499

-3,859

1,161

-4,039

8,327

-4,880

-3,959

1,279

489

33

519

-284

5

-29

1,011

1,473

123

2,126

5

283

48

Net cash used in investing activities

-4,333

-30,612

-84,283

-92,049

-88,205

-92,066

-149,382

-102,911

-36,964

84,295

-39,511

-27,791

64,386

-92,095

11,127

-121,992

4,230

-64,984

-12,066

-67,476

-51,669

-71,109

7,486

61,395

38,098

-63,244

33,811

169,274

-15,151

32,415

-2,050

238,656

-27,610

-3,656

-16,190

-29,551

-98,456

CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in certificates of deposit

156,626

-6,446

-3,324

-23,937

163,455

158,778

70,561

84,296

-70,680

6,724

-21,951

-80,222

-19,265

47,131

137,160

-21,745

217

-8,618

32,663

29,171

138,008

-26,920

13,713

-63,048

-39,884

-45,375

2,018

-93,668

-71,677

-142,611

-174,288

-137,410

32,332

-28,823

-47,968

-87,248

19,967

Net increase in checking and savings deposits

62,193

31,405

49,955

-43,603

67,643

-29,421

-10,880

-49,392

35,737

-7,767

47,555

-35,750

30,758

68,405

40,705

-62,814

-10,170

30,611

17,901

-92,144

130,745

-53,220

-144,062

-117,141

154,279

1,629

-163,116

-111,844

138,769

45,461

32,781

-3,858

82,483

92,970

44,207

34,510

60,188

Proceeds from Federal Home Loan Bank advances

-

-

-

-

-

258,000

909,000

850,000

604,500

531,500

889,000

0

0

0

0

0

1,793,000

1,232,000

1,961,000

1,243,500

2,073,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of Federal Home Loan Bank advances

-

-

-

-

-

-5,000,000

928,000

1,921,000

-598,000

-578,000

-715,000

-31,416

-19

-18

-17

-18

-2,025,017

-1,133,016

-1,990,016

-1,142,516

-2,252,016

-1,633,015

-2,173,016

-277,002

-282

-835

-101

-37

-108

-143

-20,140

-137

-32,573

-30,891

-174

-169

-1,059

Increase (Decrease) in Short-Term Borrowings, Net

-186,528

18,639

26,417

126,431

-157,141

184,434

16,641

-14,571

14,339

-56,464

-143,758

151,614

-140,280

-6,081

-230,974

171,705

233,896

-31,947

-67,984

-2,096

8,060

38,461

14,142

28,888

-6,723

318

-61,141

4,567

11,949

-

-

-

-

-

-

-

-

Repayments of reverse repurchase borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,416

-17,281

-

-

-

8,922

Advances from borrowers for taxes and insurance

1,711

-2,921

-145

2,686

2,772

-3,766

901

902

1,736

-3,506

947

1,447

1,788

-4,510

777

2,007

1,688

-3,326

742

1,106

1,230

-2,815

718

-76

2,753

-2,093

1,412

715

1,533

-

-

-

-

-

-

-

-

Dividends paid

19,114

-53,271

4,545

4,535

15,139

-27,107

3,956

10,713

-3,381

-3,371

-3,368

-3,082

-3,073

-3,061

-3,060

-3,056

-3,055

-3,314

-3,180

-2,900

-2,896

-2,886

-2,881

-2,884

-2,606

-2,603

-2,598

-2,595

-168

-5,042

-2,576

-2,574

-2,799

-2,771

-3,173

-3,147

-3,146

Purchase of the Company's common stock

8,148

-1,698

0

0

849

-903

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Stock options exercised

243

1,802

425

879

1,052

575

493

629

527

1,229

252

761

1,005

1,163

469

366

112

602

1,592

740

428

1,287

606

237

308

150

576

211

305

105

1,697

126

341

48

170

89

4

Net cash provided by financing activities

6,983

37,646

68,783

57,921

61,793

65,166

54,760

142,913

-15,222

-109,655

53,677

3,352

-129,086

103,029

18,532

86,445

-9,329

25,049

-51,167

34,861

96,559

34,892

-18,811

-236,507

107,845

-48,809

-225,950

-200,671

80,603

-122,434

-168,454

-136,938

63,391

146

3,259

-91,759

85,053

INCREASES IN CASH AND CASH EQUIVALENTS

20,339

29,278

9,505

-24,718

3,348

-6,079

-71,664

60,503

-22,271

-14,419

44,167

-15,564

-51,700

25,200

50,865

-18,027

22,548

-33,461

-36,584

-8,841

59,422

-2,739

-1,840

-175,156

170,457

-111,889

-33,496

-107,963

77,132

-81,043

-139,616

164,390

80,161

34,949

-10,125

-106,872

32,326