GREAT SOUTHERN BANCORP, INC. GSBC Income Statement

Great southern bancorp, inc. (GSBC)

Income statement / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Sep'10	Jun'10
INTEREST INCOME
Loans
222,621	223,047	221,332	215,169	207,617	198,226	189,367	183,128	178,075	176,654	177,156	177,667	178,579	178,883	176,702	175,470	175,339	177,240	180,900	181,745	179,210	172,569	167,344	162,483	160,433	163,903	167,819	172,338	175,044	170,163	168,159	166,839	167,014	171,201	162,613	151,880	0	0	0
Investment securities and other
12,489	11,947	11,078	10,036	8,808	7,723	6,976	6,601	6,455	6,407	6,306	6,283	6,263	6,292	6,492	6,623	6,852	7,111	7,572	8,579	9,764	10,793	11,880	12,153	13,300	14,892	16,488	19,109	21,143	23,345	25,416	26,542	27,290	27,466	27,071	27,451	0	0	0
TOTAL INTEREST INCOME
235,110	234,994	232,410	225,205	216,425	205,949	196,343	189,729	184,530	183,061	183,462	183,950	184,842	185,175	183,194	182,093	182,191	184,351	188,472	190,324	188,974	183,362	179,224	174,636	173,733	178,795	184,307	191,447	196,187	193,508	193,575	193,381	194,304	198,667	189,684	179,331	0	0	0
INTEREST EXPENSE
Deposits
45,677	45,570	22,944	27,384	32,843	27,957	-2,395	10,088	21,215	20,595	20,008	19,300	18,417	17,387	16,194	15,271	14,283	13,511	12,724	12,108	11,727	11,225	11,030	10,968	11,479	12,346	13,670	15,940	18,463	20,720	22,765	23,793	24,668	26,370	29,304	33,324	0	0	0
Federal Home Loan Bank advances
-	-	5,738	4,546	-	3,985	-1,282	456	1,866	1,516	1,305	1,018	1,031	1,214	1,330	1,539	1,698	1,707	1,795	1,788	2,382	2,910	3,450	3,994	3,973	3,972	3,969	3,987	4,130	4,430	4,751	5,047	5,219	5,242	5,293	5,381	0	0	0
Short-term borrowings and repurchase agreements
3,362	3,635	34	980	1,659	765	-244	51	549	747	862	1,194	1,282	1,137	951	515	125	65	68	67	563	1,099	1,648	2,222	2,298	2,324	2,375	2,422	2,506	2,610	2,709	2,821	2,896	2,965	3,026	3,079	0	0	0
Subordinated debentures issued to capital trust
968	1,019	988	989	1,018	953	-100	419	909	949	991	933	871	803	821	0	0	-	0	-	-	567	558	556	557	561	570	584	598	617	617	602	588	569	574	576	0	0	0
Subordinated notes
4,378	4,378	4,025	4,096	4,166	4,097	0	2,049	4,098	4,098	3,562	0	0	-	0	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
TOTAL INTEREST EXPENSE
54,385	54,602	33,729	37,995	43,066	37,757	-4,021	13,063	28,637	27,905	27,332	26,073	24,204	22,119	19,690	18,092	16,843	15,997	15,295	14,566	15,254	15,801	16,686	17,740	18,307	19,203	20,584	22,933	25,697	28,377	30,842	32,263	33,371	35,146	38,197	42,360	0	0	0
NET INTEREST INCOME
180,725	180,392	180,007	177,068	173,359	168,192	162,908	159,204	155,893	155,156	156,130	157,877	160,638	163,056	163,504	164,001	165,348	168,354	173,177	175,758	173,720	167,561	162,538	156,896	155,426	159,592	163,723	168,514	170,490	165,131	162,733	161,118	160,933	163,521	151,487	136,971	0	0	0
PROVISION FOR LOAN LOSSES
4,229	6,150	2,950	3,600	3,250	7,150	650	4,900	8,800	9,100	9,530	9,080	9,430	9,281	8,117	7,320	6,320	5,519	4,356	3,598	3,760	4,151	6,911	8,643	10,852	17,386	22,359	28,082	42,011	43,863	46,282	46,382	37,213	35,336	35,931	39,431	0	0	0
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES
172,654	174,242	172,557	170,268	166,209	161,042	155,758	150,404	147,093	146,056	146,600	148,797	151,208	153,775	155,387	156,681	159,028	162,835	166,517	0	0	-	0	-	-	142,206	139,379	126,469	0	-	0	0	-	-	-	-	-	-	-
NON-INTEREST INCOME
Commissions
821	889	938	1,074	1,223	1,137	1,059	1,029	1,023	1,041	1,185	1,151	1,060	1,097	919	1,074	1,158	1,136	1,234	1,118	1,163	1,163	1,138	1,012	1,018	1,065	1,104	1,177	1,090	1,036	-5,262	-3,490	-1,267	896	8,843	9,184	0	0	0
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	0	-	-	-	-	0	-	115,556	97,540	0	0	0
Net gains on loan sales
2,949	2,607	1,995	1,391	1,574	1,788	2,245	2,547	2,740	3,150	3,223	3,721	3,981	3,941	3,871	3,733	3,780	3,888	4,511	4,975	4,524	4,133	3,379	3,015	4,035	4,915	6,090	6,315	5,784	5,505	4,394	0	0	-	0	-	0	0	0
Net realized gains (losses) on sales of available-for-sale securities
-	-	-	-	-	-	-	-	0	-	-	-	-	2,873	2,884	0	0	-	0	-	-	2,139	0	0	0	-	-	0	0	-	-	1,362	0	-	0	0	-	0	0
Net realized gains on sales of available-for-sale securities
0	-	0	0	0	-	0	0	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Late charges and fees on loans
1,441	1,432	1,448	1,550	1,579	1,622	1,549	1,519	1,742	2,231	2,355	2,354	2,048	1,747	1,961	1,897	2,357	2,129	2,055	1,932	1,435	1,400	1,306	1,342	1,278	1,264	1,207	1,118	1,155	1,028	786	778	702	651	641	691	0	0	0
Loss on derivative interest rate products
-486	-104	-198	-92	-37	25	86	89	58	28	53	0	0	-	0	-	-113	-43	-234	-91	-334	-345	-211	-346	131	295	0	0	0	-	0	0	0	-	-	-	-	-	-
Service charges and ATM fees
-	-	21,391	21,230	-	21,695	21,623	21,698	21,604	21,628	21,660	21,675	21,655	21,666	21,210	20,824	20,476	19,841	19,843	19,849	19,551	19,075	18,491	18,052	17,968	18,227	18,614	18,785	19,022	19,087	19,066	18,900	18,492	18,063	17,959	18,286	0	0	0
Gain Realized on Termination of Loss Sharing Agreements
-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Non-interest income net realized gains on sales of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-
Gain on derivative interest rate products
0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of business units
-	-	0	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other income
5,523	5,297	4,898	3,852	3,559	2,535	2,394	2,541	2,889	3,230	3,659	3,637	3,516	4,055	4,359	5,266	5,691	4,973	0	0	0	-	-	0	0	-	-	0	-	-	-	-	0	-	0	0	-	0	0
Initial gain recognized on business acquisition
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-
Amortization of Income Expense Related to Business Acquisitions
-	-	-	-	-	-	-	-	-	-	0	-1,965	-3,547	-	-9,052	-11,163	-14,743	-18,345	-23,186	-26,323	-28,375	-27,868	-27,420	-27,296	-25,780	-25,260	0	0	0	-	0	0	0	-	0	0	0	0	0
Other non-interest income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	0	-	0	0	-	-	-	-	0	-	-
TOTAL NON-INTEREST INCOME
30,874	30,957	30,482	36,431	36,733	36,218	36,372	29,423	37,764	38,527	38,683	38,118	31,234	28,510	26,040	24,070	18,611	13,581	9,919	6,577	13,751	14,731	12,468	11,619	3,315	5,315	8,162	9,318	42,839	46,002	53,289	49,997	11,990	4,131	7,094	22,440	0	0	0
NON-INTEREST EXPENSE
Salaries and employee benefits
60,695	63,224	28,806	29,471	29,952	60,215	53	29,879	59,324	60,034	59,201	59,599	60,347	60,377	60,092	60,108	59,468	58,682	58,922	58,728	57,592	56,032	54,505	52,655	52,263	52,468	51,754	51,733	51,947	51,262	47,406	46,153	44,570	43,606	46,244	45,651	0	0	0
Net occupancy and equipment expense
26,582	26,217	25,432	25,494	25,645	25,628	-272	12,358	24,681	24,613	24,941	25,197	25,551	26,077	25,826	27,037	26,773	25,985	26,471	25,097	24,192	23,541	21,992	21,036	20,926	20,658	20,396	20,736	20,612	20,179	19,148	17,569	16,232	15,220	14,741	14,146	0	0	0
Postage
3,200	3,198	3,350	3,299	3,249	3,348	-2	1,686	3,394	3,461	3,562	3,640	3,723	3,791	3,826	3,945	3,900	3,787	3,848	3,741	3,673	3,578	3,433	3,288	3,315	3,315	3,282	3,337	3,286	3,301	3,284	3,158	3,149	3,096	3,112	3,228	0	0	0
Insurance
1,731	2,015	3,001	2,658	2,670	2,674	-3	1,434	2,831	2,959	2,838	3,044	3,328	3,482	3,838	3,714	3,539	3,566	3,690	3,793	3,890	3,837	3,803	3,946	3,950	4,189	4,360	4,420	4,544	4,476	3,628	4,074	4,491	4,840	5,569	5,100	0	0	0
Advertising
2,901	2,808	1,901	2,106	2,316	2,460	105	1,281	2,569	2,311	2,118	2,334	2,200	2,228	2,356	2,098	2,326	2,317	2,440	2,417	2,105	2,404	2,257	2,168	2,421	2,165	1,956	1,972	1,712	1,572	1,482	1,399	1,376	1,316	1,557	1,771	0	0	0
Office supplies and printing
1,053	1,077	1,145	1,148	1,073	1,047	-86	448	982	1,446	1,482	1,778	1,940	1,708	1,724	1,477	1,460	1,333	1,458	1,523	1,512	1,464	1,403	1,330	1,286	1,303	1,279	1,299	1,316	1,389	1,408	1,356	1,370	1,268	1,277	1,349	0	0	0
Telephone
3,589	3,580	3,332	3,409	3,456	3,272	-101	1,516	3,097	3,188	3,223	3,256	3,371	3,483	3,546	3,529	3,392	3,235	3,092	2,981	2,895	2,866	2,811	2,795	2,917	2,868	2,849	2,854	2,742	2,768	2,580	2,536	2,358	2,270	2,411	2,337	0	0	0
Legal, audit and other professional fees
2,510	2,624	3,579	3,385	3,326	3,423	116	1,601	3,351	2,862	2,782	2,920	2,670	3,191	3,239	3,077	2,930	2,713	2,600	3,403	3,647	3,957	4,643	4,440	4,480	4,348	3,893	3,653	4,265	4,323	4,701	4,738	3,901	3,803	3,145	2,788	0	0	0
Expense on other real estate and repossessions
-	-	6,611	6,716	-	4,919	-760	1,081	4,495	3,929	3,623	3,578	3,775	4,111	4,290	3,608	3,052	2,526	3,781	4,147	5,171	5,636	3,764	3,850	3,863	4,068	8,023	9,491	9,364	8,748	14,145	12,457	11,856	11,846	4,157	3,725	0	0	0
Partnership tax credit investment amortization
-	-	364	364	-	575	338	646	954	930	1,133	1,336	1,539	1,681	1,680	1,680	1,680	1,680	1,680	1,680	1,687	1,720	835	1,993	2,198	2,108	599	484	1,023	1,825	0	0	0	-	-	-	-	-	-
Acquired deposit intangible asset amortization
-	-	1,721	1,598	-	1,562	2	826	1,650	1,650	1,649	1,701	1,779	1,910	1,934	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other operating expenses
6,668	6,656	6,087	6,097	6,289	6,187	-19	2,958	6,672	6,878	7,469	8,261	7,857	8,388	7,302	6,830	7,215	6,776	6,435	6,728	14,324	14,305	16,053	15,778	7,973	8,128	7,729	8,115	8,728	8,760	7,440	7,110	6,398	6,226	7,152	7,061	0	0	0
TOTAL NON-INTEREST EXPENSE
117,458	115,138	116,609	117,025	115,493	115,310	-629	55,714	114,000	114,261	114,021	116,644	118,080	120,427	120,529	119,886	118,028	114,350	116,373	115,757	122,207	120,859	115,499	113,279	105,592	105,618	106,120	108,094	109,539	108,603	113,006	106,871	100,851	97,476	89,365	87,156	0	0	0
INCOME BEFORE INCOME TAXES
86,070	90,061	88,662	92,738	87,449	81,950	76,311	64,283	70,857	70,322	71,262	70,271	64,362	61,858	60,898	60,865	59,611	62,066	62,367	62,980	61,504	57,282	52,596	46,593	42,297	41,903	43,406	41,656	61,779	58,667	56,734	57,862	34,859	34,840	33,285	32,824	0	0	0
PROVISION FOR INCOME TAXES
17,696	16,449	8,737	7,445	8,198	14,841	-2,579	7,174	17,345	18,758	20,111	19,562	17,295	16,516	15,700	15,692	14,969	15,564	15,448	15,667	15,140	13,753	12,462	9,610	8,144	8,174	9,971	9,618	16,436	14,580	9,604	11,321	3,957	5,183	8,887	9,055	0	0	0
Net Income from Continuing Operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	44,087	0	0	0	-	-	-	-	-	-
Discontinued Operations
Income from discontinued operations, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,619	0	0	0	-	-	-	-	-	-
NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS
0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	-	-	46,502	46,919	47,313	46,364	43,529	40,134	36,983	34,153	33,729	37,506	36,171	49,603	48,706	48,290	47,639	31,873	30,269	24,398	23,769	0	0	0
Preferred Stock Dividends
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	554	579	579	579	579	579	579	579	579	605	610	609	608	811	1,459	2,097	2,798	3,282	3,332	0	0	0
Non-cash deemed preferred stock dividend
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Net Income and Net Income Available to Common Shareholders
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	44,909	44,233	45,948	57,773	46,734	45,785	42,950	28,121	36,404	33,574	33,150	36,901	35,561	48,994	48,098	47,479	44,968	28,564	26,259	19,904	20,437	0	0	0
Earnings Per Common Share
Basic Earnings Per Common Share
1.05	1.26	1.39	1.29	1.24	1.23	1.59	0.98	0.95	0.87	0.83	1.15	0.82	0.84	0.81	0.90	0.71	0.83	0.80	0.86	0.84	0.87	0.84	0.80	0.63	0.62	0.61	0.59	0.61	0.91	0.51	1.59	0.54	0.86	0.33	0.38	0.38	0.39	0.37
Diluted Earnings Per Common Share
1.04	1.25	1.38	1.28	1.23	1.22	1.57	0.97	0.95	0.87	0.82	1.14	0.81	0.82	0.80	0.89	0.70	0.81	0.79	0.85	0.83	0.85	0.83	0.79	0.63	0.62	0.61	0.59	0.60	0.91	0.51	1.58	0.54	0.87	0.33	0.37	0.36	0.38	0.35
Dividends Declared Per Common Share
1.34	-	0.34	0.32	1.07	-	0.32	0.28	0.28	-	0.24	0.24	0.22	-	0.22	0.22	0.22	-	0.22	0.22	0.20	-	0.20	0.20	0.20	-	0.18	0.18	0.18	-	0.18	0.18	0.18	-	0.18	0.18	0.18	0.18	0.18
Earnings from Continuing Operations Per Common Share
Basic
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.61	-	-	0.61	0.50	1.58	0.52	-	-	-	-	-	-
Diluted
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.61	-	-	0.61	0.50	1.57	0.52	-	-	-	-	-	-