Great Southern Bancorp, Inc
(NASDAQ:GSBC)

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying matur...

Website: http://www.greatsouthernbank.com

Founded: 1923

Full Time Employees: 1,200

Sector: Financial Services

Industry: Banks-Regional

Regional Bank

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At a glance:

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Quarterly

Annual

Unit: USD	2026-03-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2018-12-31	2015-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2001-03-31

interest income
loans	64,660,000	72,028,000	73,830,000	73,071,000	75,380,000	76,425,000	74,295,000	71,076,000	70,194,000	68,878,000	67,442,000	65,438,000	61,845,000	54,077,000	46,764,000	43,065,000	44,664,000	46,536,000	47,360,000	47,709,000			132,292,000	44,948,000	41,412,000	39,308,000	123,816,000	40,087,000	39,362,000	42,778,000	45,591,000	44,606,000	42,068,000	37,897,000	127,915,000	43,286,000	42,243,000	42,084,000	110,832,000	35,000,000	32,553,000	32,194,000	33,550,000	31,346,000	31,832,000	26,737,000	28,436,000	28,992,000	29,661,000	32,739,000		21,186,781
investment securities and other	6,505,000	7,051,000	7,145,000	7,172,000	7,205,000	7,371,000	6,632,000	6,314,000	6,288,000	6,394,000	6,176,000	6,025,000	6,104,000	5,580,000	5,934,000	3,608,000	3,284,000	3,104,000	3,092,000	2,924,000			4,452,000	2,659,000	2,972,000	2,986,000	11,960,000	2,932,000	4,119,000	4,578,000	4,859,000	5,553,000	6,153,000	6,780,000	20,787,000	6,679,000	6,901,000	6,956,000	20,824,000	6,535,000	7,059,000	7,560,000	8,113,000	8,340,000	8,389,000	7,564,000	7,350,000	6,032,000	6,003,000	5,601,000		3,450,681
total interest income	71,165,000	79,079,000	80,975,000	80,243,000	60,528,250	83,796,000	80,927,000	77,390,000	55,088,250	75,272,000	73,618,000	71,463,000	39,757,000	59,657,000	52,698,000	46,673,000	37,681,250	49,640,000	50,452,000	50,633,000			11,901,750	47,607,000	44,384,000	42,294,000	10,754,750	43,019,000	43,481,000	47,356,000	35,764,500	50,159,000	48,221,000	44,677,000	12,491,250	49,965,000	49,144,000	49,040,000	10,383,750	41,535,000	39,612,000	39,754,000	28,551,250	39,686,000	40,221,000	34,301,000	27,257,000	35,024,000	35,664,000	38,340,000		24,637,462
interest expense
deposits	18,337,000	23,984,000	24,368,000	24,600,000	25,799,000	28,486,000	27,783,000	27,637,000	27,089,000	25,233,000	21,785,000	14,650,000	11,160,000	4,984,000	2,358,000	2,173,000	2,498,000	2,925,000	3,457,000	4,222,000			10,627,000	2,884,000	2,752,000	2,660,000	9,524,000	2,822,000	3,263,000	3,527,000	4,057,000	5,092,000	5,786,000	5,784,000	20,250,000	6,120,000	6,661,000	7,486,000	29,390,000	9,037,000	10,140,000	10,657,000	12,432,000	12,641,000	14,974,000	14,000,000	15,405,000	13,708,000	14,863,000	16,900,000		9,365,275
securities sold under reverse repurchase agreements	96,000	297,000	372,000	371,000	295,000	385,000	394,000	333,000	334,000	308,000	221,000	342,000	262,000	45,000	8,000	10,000
short-term borrowings, overnight fhlbank borrowings and other interest-bearing liabilities	4,062,000	3,618,000	3,974,000	4,450,000	5,417,000	5,388,000	4,373,000	3,044,000	2,344,000	1,433,000	1,943,000	1,780,000	452,000	377,000	236,000	1,000
subordinated debentures issued to capital trust	342,000	407,000	389,000	382,000	434,000	456,000	454,000	454,000	463,000	454,000	426,000	393,000	350,000	248,000	159,000	118,000	111,000	111,000	113,000	113,000																							147,000	171,000	202,000	253,000	365,000	336,000	342,000	418,000
subordinated notes			909,000	1,106,000	1,106,000	1,106,000	1,105,000	1,106,000	1,105,000	1,106,000	1,105,000	1,106,000	1,105,000	1,105,000	1,106,000	1,105,000	1,105,000	1,671,000	2,188,000	2,200,000
total interest expense	22,837,000	28,306,000	30,012,000	30,909,000	25,626,000	35,821,000	34,109,000	32,574,000	18,071,250	28,534,000	25,480,000	18,271,000	3,508,500	6,759,000	3,867,000	3,407,000	4,257,500	4,717,000	5,768,000	6,544,000			875,250	3,501,000	4,413,000	4,328,000	1,138,750	4,555,000	4,980,000	5,224,000	5,638,500	6,904,000	7,744,000	7,904,000	2,081,250	8,325,000	8,852,000	9,679,000	2,835,250	11,341,000	12,488,000	13,183,000	12,781,000	15,911,000	18,442,000	16,746,000	13,671,750	16,657,000	17,533,000	20,497,000		13,571,273
net interest income	48,328,000	50,773,000	50,963,000	49,334,000	49,534,000	47,975,000	46,818,000	44,816,000	45,147,000	46,738,000	48,138,000	53,192,000	54,620,000	52,898,000	48,831,000	43,266,000	44,226,000	44,923,000	44,684,000	44,089,000			124,248,000	44,106,000	39,971,000	37,966,000	121,128,000	38,464,000	38,501,000	42,132,000	44,627,000	43,255,000	40,477,000	36,773,000	121,881,000	41,640,000	40,292,000	39,361,000	95,147,000	30,194,000	27,124,000	26,571,000	26,182,000	23,775,000	21,779,000	17,555,000	17,242,000	18,367,000	18,131,000	17,843,000		11,066,189
provision for credit losses on loans
credit for losses on unfunded commitments	-931,000	-379,000
net interest income after provision for credit losses on loans and credit for losses on unfunded commitments	49,259,000	51,152,000
non-interest income
commissions	615,000	566,000	411,000	262,000	217,000	360,000	269,000	381,000	266,000	232,000	228,000	427,000	296,000	226,000	389,000	297,000	286,000	325,000	370,000	282,000			852,000	284,000	344,000	281,000	907,000	158,000	350,000	328,000	-5,919,000	1,998,000	2,331,000	2,626,000	6,912,000	2,003,000	2,486,000	2,437,000	6,367,000	1,917,000	2,344,000	2,066,000	1,566,000	1,596,000	1,752,000	1,861,000	1,688,000	1,964,000	2,432,000	2,640,000		1,740,448
overdraft and insufficient funds fees	1,231,000	1,367,000	1,266,000	1,215,000	1,314,000	1,307,000	1,230,000	1,289,000	1,715,000	2,017,000	1,989,000	1,896,000	2,042,000	2,077,000	1,888,000	1,865,000	1,869,000	1,845,000	1,528,000
point-of-sale and atm fee income and service charges	3,101,000	3,290,000	3,444,000	3,234,000	2,559,500	3,467,000	3,588,000	3,183,000	3,142,000	3,724,000	3,779,000	3,701,000	3,763,000	3,874,000	4,104,000	3,964,000	3,986,000	3,714,000	3,971,000
net gains on loan sales	719,000	916,000	893,000	601,000	720,000	1,076,000	1,127,000	677,000	470,500	784,000	709,000	389,000	558,500	601,000	498,000	1,134,000	1,910,750	2,341,000	2,613,000	2,688,000
late charges and fees on loans	136,000	189,000	340,000	243,000	132,000	77,000	136,000	167,000	332,000	149,000	125,000	180,000	303,000	206,000	360,000	313,000	293,000	481,000	358,000	301,000			1,881,000	248,000	265,000	314,000	980,000	284,000	201,000	300,000	423,000	195,000	238,000	173,000	464,000	187,000	162,000	122,000	597,000	170,000	237,000	204,000	160,000	202,000	173,000	134,000	187,000	259,000	154,000	219,000
loss on derivative interest rate products	-2,000	-2,000	-28,000	-24,000	-14,250			-13,000
other income	1,229,000	736,000	1,886,000	1,059,000	1,025,000	742,000	3,490,000	1,122,000	739,000	891,000	937,000	1,587,000	1,139,000	881,000	1,935,000	1,444,000	971,000	1,047,000	924,000	1,189,000			4,306,000	667,000	652,000	2,030,000	3,633,000	933,000	754,000	2,213,000	913,000	835,000	1,400,000	1,648,000	2,006,000	554,000	714,000	453,000	1,660,000	464,000	612,000	451,000	1,822,000	496,000	504,000	370,000	742,000	382,000	509,000	373,000		514,372
total non-interest income	7,029,000	7,062,000	8,212,000	6,590,000	5,907,750	6,992,000	9,833,000	6,806,000	5,877,500	7,852,000	7,769,000	7,889,000	6,620,000	7,984,000	9,319,000	9,176,000	7,280,000	9,798,000	9,585,000	9,736,000			444,500	1,778,000	10,631,000	924,000	232,250	929,000	2,327,000	2,924,000	12,575,000	3,880,000	37,953,000	8,465,000	-301,750	-1,207,000	-2,159,000	-1,772,000	3,058,000	12,232,000	14,139,000	8,997,000	24,514,750	57,005,000	9,583,000	31,037,000	5,459,000	1,789,000	9,864,000			4,532,995
non-interest expense
salaries and employee benefits	20,071,000	20,184,000	20,005,000	20,129,000	19,509,000	19,548,000	19,886,000	19,656,000	19,967,000	19,673,000	19,678,000	19,203,000	18,812,000	18,976,000	19,432,000	18,080,000	17,403,000	17,834,000	17,934,000	17,120,000			43,798,000	14,884,000	13,470,000	13,017,000	39,434,000	13,034,000	13,078,000	13,222,000	8,439,000	14,244,000	14,700,000	13,879,000	37,076,000	11,760,000	11,709,000	11,573,000	33,640,000	11,202,000	11,167,000	11,036,000	11,321,000	11,077,000	10,136,000	7,916,000	7,274,000	7,561,000	7,970,000	8,276,000		3,582,707
net occupancy and equipment expense	8,864,000	8,873,000	8,435,000	8,533,000	8,300,000	8,138,000	7,841,000	7,839,000	7,976,000	7,729,000	7,409,000	7,720,000	7,587,000	7,198,000	6,808,000	6,878,000	8,150,000	7,244,000	6,706,000	7,062,000			1,543,000	6,172,000	5,210,000	5,403,000	1,304,000	5,216,000	5,100,000	5,135,000	3,998,500	5,798,000	5,237,000	4,959,000	994,250	3,977,000	3,639,000	3,690,000	858,750	3,435,000	3,382,000	3,489,000	2,251,000	3,509,000	2,728,000	2,681,000	1,553,000	2,027,000	2,137,000	2,048,000		1,038,697
postage	925,000	893,000	825,000	931,000	884,000	861,000	777,000	807,000	1,004,000	844,000	914,000	828,000	888,000	860,000	844,000	787,000	777,000	759,000	750,000	878,000			2,852,000	935,000	844,000	793,000	2,525,000	790,000	871,000	793,000	770,000	863,000	840,000	827,000	2,451,000	719,000	811,000	755,000	2,476,000	827,000	835,000	832,000	792,000	755,000	676,000	566,000	550,000	558,000	569,000	564,000		309,604
insurance	1,072,000	1,110,000	1,095,000	1,165,000	1,163,000	1,052,000	1,263,000	1,144,000	1,364,000	1,301,000	1,010,000	867,000	814,000	803,000	787,000	794,000	767,000	775,000	759,000	760,000			2,626,000	940,000	953,000	926,000	3,106,000	1,083,000	957,000	1,165,000	1,078,000	1,168,000	1,107,000	1,123,000	3,349,000	1,589,000	1,498,000	1,446,000	3,526,000	1,036,000	1,120,000	1,133,000	1,149,000	1,041,000	2,572,000	954,000	561,000	542,000	507,000	614,000		114,443
advertising	372,000	985,000	705,000	290,000	955,000	928,000	891,000	350,000	896,000	950,000	903,000	647,000	878,000	953,000	875,000	555,000	885,000	997,000	605,000	585,000			1,795,000	522,000	438,000	731,000	1,732,000	433,000	691,000	475,000	252,000	483,000	468,000	369,000	1,124,000	366,000	408,000	275,000	1,424,000	508,000	580,000	218,000	483,000	365,000	425,000	215,000	207,000	247,000	342,000	278,000		164,215
office supplies and printing	222,000	238,000	238,000	266,000	273,000	232,000	236,000	267,000	237,000	294,000	258,000	268,000	205,000	236,000	208,000	218,000	209,000	200,000	161,000	277,000			940,000	393,000	367,000	290,000	983,000	320,000	323,000	307,000	286,000	350,000	355,000	397,000	1,049,000	288,000	354,000	278,000	1,165,000	357,000	360,000	463,000	400,000	318,000	297,000	180,000	166,000	209,000	226,000	219,000		208,534
telephone	685,000	690,000	705,000	706,000	697,000	669,000	685,000	721,000	682,000	657,000	688,000	703,000	657,000	832,000	832,000	850,000	861,000	848,000	868,000	881,000			2,540,000	695,000	681,000	736,000	2,189,000	679,000	803,000	687,000	527,000	734,000	740,000	767,000	1,831,000	640,000	513,000	625,000	1,700,000	633,000	566,000	542,000	519,000	512,000	451,000	346,000	344,000	320,000	360,000	372,000
legal, audit and other professional fees	690,000	1,248,000	929,000	1,038,000	1,001,000	809,000	1,864,000	1,725,000	1,609,000	1,849,000	1,647,000	1,981,000	2,090,000	2,239,000	1,196,000	805,000	4,741,000	636,000	531,000	647,000			1,324,000	1,389,000	908,000	934,000	3,162,000	1,186,000	948,000	802,000	933,000	953,000	1,568,000	869,000	2,854,000	983,000	723,000	762,000	2,190,000	677,000	626,000	665,000	591,000	850,000	672,000	664,000	503,000	515,000	343,000	378,000
expense on other real estate and repossessions	54,000						285,000	61,000	48,000	62,000	47,000	154,000	46,000	84,000	65,000	163,000	154,000	103,000	102,000	268,000
intangible asset amortization	108,000	109,000	108,000
other operating expenses	1,729,000	1,928,000	2,128,000	1,726,000	4,171,000	1,908,000	2,572,000	1,744,000	2,444,000	2,139,000	2,106,000	1,981,000	2,143,000	2,361,000	1,780,000	1,980,000	1,678,000	1,785,000	1,517,000	1,529,000			6,460,000	2,066,000	9,759,000	1,761,000	6,337,000	1,791,000	1,954,000	1,916,000	-1,964,000	3,722,000	3,823,000	3,180,000	8,729,000	1,847,000	1,855,000	1,776,000	6,614,000	1,674,000	1,756,000	1,598,000	1,484,000	1,295,000	1,453,000	939,000	761,000	803,000	841,000	1,006,000		1,239,572
total non-interest expense	34,792,000	36,116,000	35,005,000	34,822,000	26,137,000	33,717,000	36,409,000	34,422,000	26,184,500	35,557,000	34,718,000	34,463,000	24,757,500	34,758,000	33,004,000	31,268,000	22,963,000	31,339,000	30,191,000	30,321,000			7,349,500	29,398,000	34,399,000	25,894,000	6,794,500	27,178,000	27,617,000	26,942,000	21,931,750	30,851,000	30,066,000	26,809,000	5,754,250	23,017,000	22,137,000	21,609,000	5,650,500	22,602,000	20,808,000	22,143,000	14,320,000	22,657,000	20,008,000	15,214,000	10,581,000	14,650,000	13,557,000			6,694,366
income before income taxes	21,496,000	22,098,000	24,280,000	21,450,000	17,965,000	20,113,000	20,849,000	16,570,000	16,364,000	20,228,000	22,808,000	25,944,000	27,103,000	22,809,000	22,923,000	21,367,000	19,363,000	25,739,000	25,385,000	23,878,000			3,885,250	15,541,000	14,741,000	11,305,000					11,750,000	7,884,000	30,764,000	8,352,000	26,866,000	8,916,000	7,565,000	7,780,000	23,735,000	9,024,000	8,455,000	7,925,000	22,492,000	41,623,000	4,554,000	28,378,000	5,168,000	1,006,000	9,488,000	-23,841,000		7,254,818
provision for income taxes	4,020,000	4,346,000																																																		2,527,686
net income	17,476,000	17,752,000	19,786,000	17,160,000	14,922,000	16,490,000	16,988,000	13,407,000	13,145,000	15,879,000	18,320,000	20,456,000	22,604,000	18,133,000									34,912,000	11,590,000	11,054,000	8,818,000	25,290,000	8,439,000	8,224,000	8,394,000	12,449,000	7,104,000	21,656,000	7,497,000	23,816,000	6,453,000	5,890,000	5,893,000	17,703,000	6,162,000	5,824,000	5,538,000	15,087,000	27,565,000	3,482,000	18,259,000	3,569,000	824,000	6,332,000	-15,153,000		4,727,132
yoy	17.12%	7.65%	16.47%	27.99%	13.52%	3.85%	-7.27%	-34.46%	-41.85%	-12.43%													38.05%	37.34%	34.41%	5.05%	103.15%	18.79%	-62.02%	11.96%	-47.73%	10.09%	267.67%	27.22%	34.53%	4.72%	1.13%	6.41%	17.34%	-77.65%	67.26%	-69.67%	322.72%	3245.27%	-45.01%	-220.50%		-82.57%
qoq	-1.55%	-10.28%	15.30%	15.00%	-9.51%	-2.93%	26.71%	1.99%	-17.22%	-13.32%	-10.44%	-9.50%	24.66%										201.23%	4.85%	25.36%	-65.13%	199.68%	2.61%	-2.03%	-32.57%	75.24%	-67.20%	188.86%	-68.52%	269.07%	9.56%	-0.05%	-66.71%	187.29%	5.80%	5.16%	-63.29%	-45.27%	691.64%	-80.93%	411.60%	333.13%	-86.99%	-141.79%
basic earnings per common share	1,590	1,570	1,730	1,470	1,002.5	1,410	1,460	1,140	1,132.5	1,330	1,520	1,680	1,057.5	1,470	1,450	1,310	1,087.5	1,500	1,470	1,380											662.5	510	1,590	540	82.5	330	380	380	97.5	390	370	350	885	1,990	200	1,300	-150	60	470	-1,130		0.69
diluted earnings per common share	1,580	1,560	1,720	1,470	997.5	1,410	1,450	1,130	1,130	1,330	1,520	1,670	1,050	1,460	1,440	1,300	1,080	1,490	1,460	1,360											655	510	1,580	540	82.5	330	370	360	95	380	350	340	857.5	1,910	190	1,290	-150	60	470	-1,130		0.67
dividends declared per common share	430	430	400	400	300	400	400	400	300	400	400	400	290	400	400	360	260	360	340	340											135	180	180	180	45	180	180	180	45	180	180	180	135	180	180	180	135	180	180	180		0.13
income on other real estate and repossessions		-142,000	-168,000	-70,000	-114,000	-536,000

benefit from credit losses on loans					425,000	1,200,000		500,000	375,000			1,500,000								300,000
provision (credit) for unfunded commitments			-110,000	-348,000			-607,000	130,000	-1,689,000	-1,195,000	-1,619,000	-826,000	836,250		2,223,000				-307,000	-674,000
net interest income after benefit from credit losses on loans and provision (credit) for unfunded commitments			51,073,000	49,682,000			47,425,000
benefit from income taxes			4,494,000	4,290,000	3,043,000	3,623,000	3,861,000	3,163,000	3,219,000	4,349,000	4,488,000	5,488,000	4,499,000	4,676,000	4,699,000	4,380,000	4,082,000	5,375,000	5,271,000	5,010,000			11,613,000	3,951,000	3,687,000	2,487,000	274,750	1,099,000	1,316,000	1,495,000	2,685,750	780,000	9,108,000	855,000	615,750	2,463,000	1,675,000	1,887,000	715,500	2,862,000	2,631,000	2,387,000		14,058,000	1,072,000
acquired intangible asset amortization				108,000	108,000	108,000	109,000	108,000	57,000	59,000	58,000	111,000	138,000	216,000
credit for unfunded commitments					-135,000	-63,000										-193,000	-84,500
net interest income after benefit from credit losses on loans and credit for unfunded commitments					34,612,250	46,838,000
gain on derivative interest rate products						-37,000	-7,000		-103,000	55,000	2,000	-291,000	-64,000	88,000	145,000	152,000	-28,000	45,000	-179,000	474,000			-53,000	10,000	-130,000	-103,000	420,000	-125,000	347,000	61,000
net interest income after benefit from credit losses and provision (credit) for unfunded commitments								44,186,000	37,552,000	47,933,000	49,757,000	52,518,000								44,463,000
net realized gain on sale of available for sale securities														31,000
net realized gain on sale of available-for-sale securities													9,500			7,000
provision (credit) for credit losses on loans													1,000,000	2,000,000			-3,000,000	-3,000,000	-1,000,000
benefit from unfunded commitments														1,315,000				643,000
net interest income after provision (credit) for credit losses and provision (credit) for unfunded commitments													34,912,250	49,583,000	46,608,000				45,991,000
acquired deposit intangible asset amortization															177,000	158,000	158,000	158,000	258,000	289,000
net income and net income available to common stockholders															18,224,000	16,987,000	14,836,500	20,364,000	20,114,000	18,868,000
net interest income after benefit from credit losses and credit for unfunded commitments																43,459,000
short-term borrowings and repurchase agreements																	8,000	10,000	10,000	9,000			52,000	13,000	512,000	557,000	1,737,000	587,000	588,000	583,000	617,000	634,000	672,000	687,000	2,219,000	746,000	747,000	756,000	2,552,000	777,000	799,000	993,000	1,440,000	1,647,000	1,774,000	1,547,000	1,637,000	1,473,000
net interest income after provision (credit) for credit losses and benefit from unfunded commitments																		47,280,000
net realized gains on sales of available-for-sale securities																							80,250	321,000	569,000	73,000	27,500	110,000	97,000	34,000											3,465,000
service charges, debit card and atm fees																				4,802,000
partnership tax credit investment amortization																				25,000			105,000	420,000	427,000	453,000	394,500	1,578,000
federal home loan bank advances																							1,246,000	461,000	1,010,000	975,000	2,967,000	1,005,000	989,000	974,000	1,000,000	1,023,000	1,132,000	1,274,000	3,923,000	1,319,000	1,304,000	1,297,000	4,143,000	1,373,000	1,407,000	1,397,000	1,462,000	1,452,000	1,492,000	946,000	1,137,000	1,140,000	1,142,000	1,582,000		3,582,156
subordinated debentures issued to capital trusts																							35,750	143,000	139,000	136,000	35,250	141,000	140,000	140,000	117,000	155,000	154,000	159,000	35,000	140,000	140,000	140,000	38,500	154,000	142,000	136,000
benefit from loan losses																							4,574,000	945,000	1,462,000	1,691,000	14,709,000	2,677,000	3,671,000	8,225,000	7,786,000	8,400,000	17,600,000	10,077,000	26,836,000	8,500,000	8,431,000	8,200,000	24,830,000	10,800,000	12,000,000	5,500,000	7,500,000	16,500,000	6,800,000	5,000,000	5,000,000	4,500,000	4,950,000	37,750,000
net interest income after benefit from loan losses																							119,674,000	43,161,000	38,509,000	36,275,000	106,419,000	35,787,000	34,830,000	33,907,000	36,841,000	34,855,000	22,877,000	26,696,000	95,045,000	33,140,000	31,861,000	31,161,000	70,317,000	19,394,000	15,124,000	21,071,000	18,682,000	7,275,000	14,979,000	12,555,000	12,242,000	13,867,000	13,181,000	-19,907,000
service charges and atm fees																							14,673,000	5,168,000	4,728,000	4,168,000	13,498,000	4,729,000	4,644,000	4,427,000	4,815,000	4,900,000	4,881,000	4,492,000	13,329,000	4,734,000	4,473,000	4,063,000	13,963,000	4,689,000	5,061,000	4,583,000	4,998,000	4,730,000	4,539,000	3,372,000	3,749,000	4,067,000	3,970,000	3,566,000		2,004,007
net realized gains on sales of loans																							2,345,000	1,543,000	608,000	549,000	3,736,000	1,179,000	1,628,000	1,429,000	1,855,000	1,404,000	1,097,000	1,150,000	2,781,000	743,000	702,000	907,000	2,610,000	1,155,000	755,000	793,000	819,000	729,000	736,000	606,000	288,000	369,000	365,000	393,000		356,060
accretion (amortization) of income/expense related to business acquisitions																							-1,615,750	-6,463,000	-7,210,000	-6,388,000	-1,584,750	-6,339,000	-5,694,000	-5,868,000
expense on foreclosed assets																							245,500	982,000	1,342,000	850,000	3,000,000	1,068,000	1,355,000	1,055,000	4,545,000	2,536,000	1,228,000	439,000	10,998,000	848,000	627,000	429,000	2,661,000	2,253,000	416,000	2,167,000	674,000	2,935,000	598,000	753,000	947,000	1,868,000	262,000			-82,070
preferred stock dividends																							36,250	145,000	145,000	145,000	36,250	145,000	145,000	145,000
net income available to common stockholders																							2,861,250	11,445,000	10,909,000	8,673,000	2,073,500	8,294,000
initial gain recognized on business acquisition																									10,805,000						7,828,000		31,312,000											45,919,000
income from continuing operations before income taxes																											2,384,500	9,538,000	9,540,000	9,889,000
net income from continuing operations																											25,290,000	8,439,000	8,224,000	8,394,000
discontinued operations
income from discontinued operations, net of income taxes
partnership tax credit																													1,537,000	1,385,000
net income available to common shareholders																													8,079,000	8,249,000	12,281,000	6,954,000	21,512,000	7,353,000	21,816,000	4,443,000	5,108,000	5,048,000	15,157,000	5,305,000	4,976,000	4,699,000	14,250,000	26,714,000	2,641,000	17,435,000
net realized gains on sales and impairments of available-for-sale securities																															446,750	507,000	1,251,000	28,000	120,750	483,000	-400,000		1,360,250	5,441,000			-460,750
accretion (amortization) of income related to business acquisitions																															-3,036,750	-5,959,000	-4,440,000	-1,748,000	-2,477,750	-9,911,000	-10,296,000	-9,754,000	-401,000	-1,604,000
preferred stock dividends and discount accretion																															168,000	150,000	144,000	144,000	2,000,000	798,000	782,000	845,000	2,546,000	857,000	848,000	839,000	837,000	851,000	841,000	824,000
non-cash deemed preferred stock dividend																																				1,212,000
net change in interest rate swap fair value																																	-117,000	96,000
change in interest rate swap fair value net of change in hedged deposit fair value																																											296,000		337,000	846,000	1,321,750	32,000	2,277,000
accretion of income related to business acquisitions																																									1,665,000	900,000	683,250	1,367,000
net realized losses on sales and impairments of
available-for-sale securities																																												1,966,000	176,000	-3,985,000	-1,321,500	-5,293,000	1,000
net realized gains on sales and impairments of
accreted income on purchase of additional business units																																													1,366,000
gain realized on purchase of additional business units																																														27,833,000
provision (credit) for income taxes																																											7,405,000			10,119,000	1,599,000	182,000	3,156,000	-8,688,000
net gain on sales of fixed assets																																															43,750	9,000	156,000
short-term borrowings																																																	1,186,000	1,597,000		623,842
net realized gains on sales of
noninterest income
net realized gains on sales of available for-sale securities																																																		6,000
change in interest rate swap fair value net of change
in hedged deposit fair value																																																		2,977,000
total noninterest income																																																		10,174,000
noninterest expense
income on foreclosed assets																																																		353,000
total noninterest expense																																																		14,108,000
provision for loan losses																																																				1,650,000
net interest income after provision for loan losses																																																				9,416,189
net realized gains on available-for-sale securities																																																				178
amortization of goodwill																																																				36,594

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	2025-09-30	2025-06-30	2025-03-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-09-30	2017-06-30	2015-06-30	2015-03-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2005-03-31	2001-03-31

assets
cash	101,405,000	94,106,000	110,007,000	106,336,000	105,098,000	109,639,000	90,349,000		92,579,000	105,859,000	89,682,000		107,617,000	99,403,000	90,481,000		89,263,000	98,869,000	95,102,000			111,729,000	108,092,000	94,682,000	130,760,000	98,646,000		109,254,000	92,035,000	88,319,000		89,345,000	89,435,000	85,229,000		81,248,000	81,240,000	72,836,000		188,581,000	207,568,000	329,953,000		362,942,000	225,970,000	316,802,000		56,020,000	73,595,000	76,560,000		81,887,000	39,633,729
interest-bearing deposits in other financial institutions	85,999,000	102,129,000	135,906,000	110,845,000	103,267,000	76,830,000	81,098,000		89,736,000	98,080,000	94,994,000		81,389,000	96,305,000	262,557,000		679,929,000	582,935,000	517,454,000			157,499,000	169,977,000	126,704,000	69,838,000	299,736,000		230,560,000	281,275,000	392,954,000		395,502,000	535,028,000	374,844,000		264,052,000	274,185,000	389,461,000		288,955,000	257,588,000	236,198,000		189,124,000	179,297,000	106,452,000		67,008,000	25,956,000	3,410,000		4,503,000	10,083,390
cash and cash equivalents	187,404,000	196,235,000	245,913,000	217,181,000	208,365,000	186,469,000	171,447,000		182,315,000	203,939,000	184,676,000		189,006,000	195,708,000	353,038,000		769,192,000	681,804,000	612,556,000			269,228,000	278,069,000	221,386,000	223,226,000	398,382,000		339,814,000	373,310,000	481,273,000		485,184,000	624,800,000	460,410,000		345,300,000	355,425,000	462,297,000		477,536,000	465,156,000	566,151,000		552,066,000	405,267,000	423,254,000		123,028,000	99,551,000	79,970,000		86,390,000	49,717,119
available-for-sale securities	513,846,000	531,348,000	527,543,000	535,914,000	565,225,000	549,084,000	465,308,000		447,948,000	476,911,000	493,330,000		482,807,000	519,472,000	461,375,000		432,938,000	450,840,000	457,668,000			326,389,000	344,084,000	425,156,000	569,030,000	532,110,000		580,980,000	744,439,000	814,716,000		787,118,000	819,191,000	874,273,000		795,404,000	831,059,000	838,178,000		696,314,000	739,019,000	730,889,000		728,598,000	721,123,000	768,420,000		505,715,000	460,493,000	464,600,000		400,062,000	153,440,231
held-to-maturity securities	177,594,000	181,315,000	183,100,000	185,853,000	189,257,000	191,224,000	193,366,000		196,716,000	198,387,000	200,427,000		206,485,000	215,354,000	227,441,000																																					54,271,000	21,070,730
mortgage loans held for sale	6,823,000	5,593,000	5,616,000	6,857,000	9,959,000	13,116,000	10,905,000		5,678,000	10,442,000	6,099,000		4,097,000	2,782,000	1,672,000		10,809,000	18,870,000	30,492,000			16,567,000	14,521,000	30,361,000	9,605,000	6,770,000		10,047,000	22,679,000	27,764,000		35,093,000	28,176,000	19,121,000		19,969,000	8,798,000	7,401,000		10,191,000	12,304,000	6,611,000		8,557,000	16,788,000	4,421,000		5,184,000	9,085,000	3,983,000		1,774,000
loans receivable, net of allowance for credit losses of 64,784 – march 2026; 64,771 – december 2025	4,456,639,000
interest receivable	19,716,000	19,931,000	20,644,000	21,504,000	22,262,000	22,420,000	21,639,000		19,366,000	17,178,000	17,484,000		13,787,000	13,558,000	12,458,000		11,290,000	11,966,000	13,027,000			11,306,000	11,357,000	11,214,000	11,685,000	10,547,000		10,932,000	12,337,000	12,432,000		13,183,000	13,944,000	12,828,000		11,582,000	11,690,000	11,667,000		12,352,000	14,047,000	14,482,000		15,961,000	15,427,000	15,870,000		12,103,000	13,109,000	14,195,000		9,194,000
prepaid expenses and other assets	124,023,000	133,412,000	133,614,000	132,930,000	142,685,000	144,552,000	131,458,000		103,441,000	76,194,000	89,055,000		64,383,000	59,468,000	44,994,000		43,120,000	42,327,000	43,009,000			59,127,000	69,682,000	63,334,000	68,466,000	74,612,000		76,293,000	79,365,000	83,831,000		79,636,000	78,358,000	106,007,000		74,828,000	54,688,000	50,674,000		53,917,000	62,864,000	72,581,000		40,575,000	22,240,000	13,955,000		17,666,000	13,868,000	25,188,000		7,716,000	8,763,404
other real estate owned and repossessions	6,615,000	6,083,000	6,040,000	6,036,000	263,000	9,429,000	1,042,000		38,000	35,000	154,000		269,000	329,000	1,720,000		1,242,000	1,033,000	1,851,000
premises and equipment	132,113,000	133,769,000	134,337,000	132,165,000	133,311,000	134,527,000	136,276,000		139,893,000	140,556,000	141,485,000		139,410,000	136,147,000	131,742,000		134,813,000	136,246,000	137,684,000			127,627,000	124,296,000	120,891,000	118,649,000	104,630,000		104,811,000	102,912,000	101,934,000		100,861,000	95,510,000	92,918,000		79,145,000	76,902,000	73,098,000		45,827,000	44,170,000	43,363,000		38,272,000	36,870,000	35,674,000		29,954,000	29,546,000	29,800,000		24,112,000	10,603,811
goodwill and other intangible assets	9,552,000	9,769,000	9,877,000	9,985,000	10,202,000	10,310,000	10,419,000		10,585,000	10,644,000	10,702,000		11,029,000	11,246,000	5,923,000		6,239,000	6,397,000	6,655,000			6,633,000	7,070,000	7,945,000	8,385,000	5,923,000		4,890,000	5,197,000	5,504,000		7,002,000	7,318,000	6,633,000		4,772,000	4,980,000	5,188,000		5,602,000	5,811,000	5,992,000		6,443,000	4,440,000	4,589,000		1,737,000	1,792,000	1,851,000
federal home loan bank stock and other interest-earning assets	27,720,000	25,603,000	23,714,000	25,813,000	17,912,000	30,052,000	16,887,000		36,038,000	32,758,000	27,658,000		31,254,000	13,364,000	6,564,000		6,655,000	6,755,000	6,655,000
current and deferred income taxes	25,277,000	27,126,000	29,987,000	28,968,000	25,804,000	33,955,000	32,176,000		41,493,000	35,973,000	28,322,000		36,613,000	23,009,000	15,862,000		9,851,000	7,077,000	8,436,000			6,784,000	3,971,000													289,000		670,000		6,830,000	11,321,000	14,137,000		8,699,000	5,230,000
total assets	5,687,322,000	5,737,867,000	5,854,672,000	5,993,842,000	6,036,521,000	5,958,766,000	5,777,176,000		5,748,078,000	5,719,630,000	5,768,720,000		5,676,249,000	5,551,996,000	5,374,276,000		5,451,835,000	5,577,582,000	5,603,770,000			4,111,170,000	4,066,927,000	3,909,425,000	3,912,902,000	3,772,652,000		3,603,325,000	3,828,025,000	4,037,037,000		4,056,557,000	4,215,729,000	3,858,405,000		3,431,214,000	3,418,224,000	3,498,927,000		3,402,798,000	3,488,790,000	3,689,035,000		3,726,996,000	3,332,715,000	3,406,855,000		2,527,912,000	2,487,082,000	2,502,231,000		1,909,399,000	1,167,746,511
liabilities and stockholders’ equity
liabilities:
deposits	4,445,161,000	4,528,033,000	4,684,126,000	4,758,046,000	4,697,460,000	4,615,295,000	4,773,397,000		4,851,548,000	4,824,571,000	4,799,107,000		4,739,118,000	4,516,205,000	4,489,337,000		4,510,196,000	4,566,353,000	4,626,936,000			3,196,318,000	3,259,438,000	3,071,170,000	3,201,728,000	3,016,047,000		2,852,534,000	3,013,896,000	3,219,764,000		3,250,864,000	3,392,957,000	3,078,066,000		2,618,819,000	2,622,772,000	2,675,706,000		2,577,532,000	2,607,089,000	2,795,171,000		2,740,982,000	2,448,521,000	2,453,768,000		1,854,474,000	1,861,832,000	1,929,814,000		1,381,874,000	804,948,386
securities sold under reverse repurchase agreements with customers	37,198,000	42,674,000	54,802,000	75,322,000	75,829,000	74,155,000	72,778,000		58,172,000	59,257,000	70,654,000		124,187,000	145,838,000	148,019,000		167,295,000	158,367,000	140,666,000			216,100,000	218,191,000	171,828,000	157,683,000	128,179,000		135,158,000	196,299,000	191,702,000		198,052,000	206,010,000	199,594,000		245,723,000	229,693,000	266,220,000		256,140,000	274,963,000	309,478,000		335,990,000	327,101,000	311,143,000		229,274,000
short-term borrowings and other interest-bearing liabilities	470,660,000	425,907,000	369,907,000	359,907,000	442,246,000	476,347,000	181,347,000		84,110,000	72,110,000	155,710,000		99,119,000	171,889,000	2,942,000		1,673,000	1,183,000	2,636,000
subordinated debentures issued to capital trust	25,774,000	25,774,000	25,774,000	25,774,000	25,774,000	25,774,000	25,774,000		25,774,000	25,774,000	25,774,000		25,774,000	25,774,000	25,774,000		25,774,000	25,774,000	25,774,000																									30,929,000	30,929,000	30,929,000		30,929,000	30,929,000	30,929,000		18,288,000
accrued interest payable	3,250,000	3,909,000	4,065,000	5,416,000	12,002,000	9,006,000	8,135,000		6,619,000	5,026,000	4,671,000		2,632,000	791,000	1,656,000		1,730,000	2,256,000	2,444,000			1,076,000	982,000	1,024,000	1,096,000	966,000		1,121,000	1,106,000	1,265,000		1,609,000	2,004,000	2,014,000		2,517,000	2,791,000	3,558,000		4,689,000	5,128,000	6,215,000		7,630,000	7,325,000	9,038,000		8,882,000	7,450,000	4,498,000		2,640,000	6,008,172
advances from borrowers for taxes and insurance	9,021,000	9,904,000	8,822,000	7,451,000	9,625,000	8,240,000	6,359,000		10,227,000	9,342,000	8,086,000		10,134,000	8,874,000	7,325,000		8,896,000	8,728,000	7,909,000			7,265,000	6,159,000	7,744,000	7,026,000	6,510,000		5,814,000	4,402,000	3,687,000		5,000,000	2,970,000	2,460,000		2,589,000	1,929,000	1,196,000		1,940,000	1,771,000	1,261,000		2,031,000	1,379,000	997,000		1,232,000	1,017,000	694,000		551,000	688,178
accrued expenses and other liabilities	55,011,000	61,074,000	76,763,000	65,528,000	79,746,000	99,420,000	61,954,000		96,251,000	92,420,000	62,861,000		76,829,000	47,189,000	33,178,000		29,368,000	28,892,000	29,351,000
liability for unfunded commitments	7,617,000	7,666,000	8,045,000	8,155,000	6,947,000	7,010,000	7,617,000		9,176,000	10,371,000	11,990,000		12,974,000	11,659,000	9,436,000		8,352,000	7,709,000	8,017,000
total liabilities	5,053,692,000	5,104,941,000	5,232,304,000	5,380,549,000	5,424,431,000	5,389,974,000	5,212,014,000		5,216,381,000	5,173,301,000	5,213,209,000		5,164,974,000	5,002,352,000	4,791,725,000		4,827,194,000	4,948,025,000	4,992,313,000			3,673,590,000	3,638,064,000	3,500,375,000	3,513,351,000	3,382,817,000		3,227,752,000	3,453,634,000	3,661,144,000		3,694,724,000	3,862,908,000	3,526,782,000		3,116,840,000	3,103,829,000	3,193,724,000		3,097,160,000	3,184,405,000	3,387,991,000		3,440,736,000	3,075,340,000	3,152,014,000		2,359,128,000	2,314,997,000	2,330,655,000		1,767,331,000	1,092,585,019
stockholders’ equity:
capital stock
serial preferred stock, .01 par value...																																					56,723,000	56,601,000		56,362,000	56,246,000	56,131,000
common stock, .01 par value...	83,000	113,000	114,000	116,000	117,000	116,000	117,000		119,000	120,000	121,000		123,000	123,000	128,000		134,000	137,000	137,000																						134,000											137,000	123,250
additional paid-in capital	56,126,000	52,855,000	51,646,000	51,076,000	47,914,000	45,321,000	44,807,000		43,701,000	43,292,000	42,870,000		41,515,000	40,565,000	40,004,000		37,468,000	36,880,000	35,661,000			23,167,000	22,657,000	21,486,000	20,093,000	19,850,000		19,407,000	18,780,000	18,597,000		18,259,000	17,524,000	17,391,000		17,067,000	20,936,000	20,818,000		20,563,000	20,433,000	20,312,000		20,074,000	19,984,000	19,928,000		19,693,000	19,576,000	19,460,000		17,776,000	17,459,663
retained earnings	612,570,000	615,837,000	611,921,000	606,239,000	593,422,000	578,800,000	572,747,000		564,658,000	558,927,000	553,948,000		527,963,000	522,255,000	533,736,000		549,800,000	550,301,000	537,969,000			350,467,000	341,283,000	322,529,000	314,503,000	306,685,000		294,420,000	288,528,000	282,762,000		266,831,000	261,257,000	242,080,000		227,623,000	225,428,000	222,653,000		216,832,000	213,814,000	211,189,000		196,685,000	172,219,000	171,274,000		155,329,000	156,913,000	152,981,000		126,954,000	116,041,548
accumulated other comprehensive loss	-35,149,000	-35,879,000	-41,313,000	-44,138,000	-29,363,000	-55,445,000	-52,509,000
total stockholders’ equity	633,630,000	632,926,000	622,368,000	613,293,000	612,090,000	568,792,000	565,162,000		531,697,000	546,329,000	555,511,000		511,275,000	549,644,000	582,551,000		624,641,000	629,557,000
total liabilities and stockholders’ equity	5,687,322,000	5,737,867,000	5,854,672,000	5,993,842,000	6,036,521,000	5,958,766,000	5,777,176,000		5,748,078,000	5,719,630,000	5,768,720,000		5,676,249,000	5,551,996,000	5,374,276,000		5,451,835,000	5,577,582,000
loans receivable, net of allowance for credit losses of 64,749 – september 2025; 64,760 – december 2024		4,467,683,000
subordinated notes				74,950,000	74,802,000	74,727,000	74,653,000		74,504,000	74,430,000	74,356,000		74,207,000	74,133,000	74,058,000		73,910,000	148,763,000	148,580,000	5,850	5,570

loans receivable, net of allowance for credit losses of 64,815 – june 2025; 64,760 – december 2024			4,534,287,000
loans receivable, net of allowance for credit losses of 64,704 – march 2025; 64,760 – december 2024				4,690,636,000
loans receivable, net of allowance for credit losses of 64,915 – september 2024; 64,670 – december 2023					4,711,276,000
loans receivable, net of allowance for credit losses of 65,255 – june 2024; 64,670 – december 2023						4,633,628,000
loans receivable, net of allowance for credit losses of 65,087 – march 2024; 64,670 – december 2023							4,586,253,000
performance data and ratios:
per common share data:
basic earnings per common share								5,650				6,070				5,500											2,430				3,550				1,950				1,520				4,610				-350				2,160
diluted earnings per common share								5,610				6,020				5,460											2,420				3,540				1,930				1,460				4,440				-350				2,150
cash dividends declared								1,600				1,560				1,400											720				720				720				720				720				720				680
book value per common share								48,440				43,580				46,980											23,600				22,940				19,780				18,400				18,120				13,340
average shares outstanding								11,992,000				12,517,000				13,558,000											13,635,000				13,534,000				13,462,000				13,434,000				13,390,000				13,381,000				13,566,000
year-end actual shares outstanding								11,804,000				12,231,000				13,128,000											13,674,000				13,596,000				13,480,000				13,454,000				13,406,000				13,381,000				13,400,000
average fully diluted shares outstanding								12,080,000				12,607,000				13,674,000											13,715,000				13,592,000				13,626,000				14,046,000				13,382,000
earnings performance ratios:
return on average assets								1,190				1,380				1,360											890				1,220				870				680				1,910								1,250
return on average stockholders’ equity								12,310				13,440
non-interest income to average total assets								530				620				700											140				1,490				350				910				3,610				1,120				1,250
non-interest expense to average total assets								2,470				2,420				2,320											2,910				2,980				2,990				2,520				2,150				2,070				2,180
average interest rate spread								2,970				3,590				3,220											4,600				4,530				5,060				3,810				2,980				2,740				2,710
year-end interest rate spread								2,780				3,630				3,200											3,880				3,570				3,680				3,810				3,560				3,020				3,000
net interest margin								3,570				3,800				3,370											4,700				4,610				5,170				3,930				3,030				3,010				3,240
efficiency ratio								63,160				57,050				59,030											66,940				53,030				59,540				56,520				36,880				55,860				51,260
net overhead ratio								1,940				1,800				1,620											2,770				1,480				2,640				1,610				-1,310				1,090				950
common dividend pay-out ratio								28,520				25,910				25,640											29,750				20,340				37,310				42,350				15,350								31,630
asset quality ratios :
allowance for credit losses/year-end loans								1,390				1,390				1,490
non-performing assets/year-end loans and foreclosed assets								250				80				150											2,460				2,980				3,310				3,930				2,990				3,690				2,990
allowance for credit losses/non-performing loans								550,480				1,729,690				1,120,310
net charge-offs/average loans								20				10															910				2,430				2,090				2,050				1,440				2,630				350
gross non-performing assets/year end assets								200				70				110											1,750				1,840				1,960				2,300				1,790				2,480				2,300
non-performing loans/year-end loans								250				80				130											800				940				1,250				1,520				1,240				1,900				1,920
balance sheet ratios:
loans to deposits								97,330				96,300				88,230											87,120				74,420				72,650				73,170				77,060				90,230				103,230
average interest-earning assets as a percentage of average interest-bearing liabilities								131,110				140,320				139,940											116,030				110,120				110,550				108,220				102,170				108,980				112,710
capital ratios:
average common stockholders’ equity to average assets								9,600				10,200
year-end tangible common stockholders’ equity to tangible assets								9,700				9,200
great southern bancorp, inc.:
tier 1 capital ratio								12,400				11,000				13,400
total capital ratio								15,200				13,500				16,300
tier 1 leverage ratio								11,000				10,600				11,300											11,300				9,500				9,200				9,500				8,600				10,100				9,000
common equity tier 1 ratio								11,900				10,600				12,900
great southern bank:
net income divided by average total assets.
net income divided by average stockholders’ equity.
yield on average interest-earning assets less rate on average interest-bearing liabilities.
net interest income divided by average interest-earning assets.
non-interest expense divided by the sum of net interest income plus non-interest income.
non-interest expense less non-interest income divided by average total assets.
loans receivable, net of allowance for credit losses of 64,753 – september 2023; 63,480 – december 2022									4,564,567,000
accumulated other comprehensive income									-76,781,000	-56,010,000	-41,428,000		-58,326,000	-13,299,000	8,683,000		37,239,000	42,239,000	37,690,000			5,865,000	6,842,000	6,955,000	6,875,000	5,220,000		3,666,000																11,010,000	6,790,000	5,366,000		-6,372,000	-4,538,000	-999,000		-2,799,000
loans receivable, net of allowance for credit losses of 64,852 – june 2023; 63,480 – december 2022										4,516,613,000
loans receivable, net of allowance for credit losses of 64,987 – march 2023; 63,480 – december 2022											4,569,328,000
loans receivable, net of allowance for credit losses of 62,761 – september 2022; 60,754 – december 2021													4,497,109,000
loans receivable, net of allowance for credit losses of 61,058 – june 2022; 60,754 – december 2021														4,361,559,000
loans receivable, net of allowance for credit losses of 60,797 – march 2022; 60,754 – december 2021															4,111,487,000
serial preferred stock - .01 par value...
return on average stockholders' equity																11,890											10,520				16,550				11,670				9,420				29,720				-2,470				15,780
average common stockholders' equity to average assets																11,400											8,500				7,400				7,400				7,200				6,400				7,100
year-end tangible common stockholders' equity to tangible assets																11,200
loans receivable, net of allowance for credit losses of 63,629 – september 2021; net of allowance for loan losses of 55,743 - december 2020																	4,025,686,000
loans receivable, net of allowance for credit losses of 66,602 – june 2021; net of allowance for loan losses of 55,743 – december 2020																		4,214,267,000
loans receivable, net of allowance for credit losses of 67,702 – march 2021; net of allowance for loan losses of 55,743 - december 2020																			4,285,737,000
liabilities and stockholders' equity
stockholders' equity:
total stockholders' equity																			611,457,000			437,580,000	428,863,000	409,050,000	399,551,000	389,835,000		375,573,000	374,391,000	375,893,000		361,833,000	352,821,000	331,623,000		314,374,000	314,395,000	305,203,000		305,638,000	304,385,000	301,044,000		286,260,000	257,375,000	254,841,000		168,784,000	172,085,000	171,576,000		142,068,000	75,161,492
total liabilities and stockholders' equity																			5,603,770,000			4,111,170,000	4,066,927,000	3,909,425,000	3,912,902,000	3,772,652,000		3,603,325,000	3,828,025,000	4,037,037,000		4,056,557,000	4,215,729,000	3,858,405,000		3,431,214,000	3,418,224,000	3,498,927,000		3,402,798,000	3,488,790,000	3,689,035,000		3,726,996,000	3,332,715,000	3,406,855,000		2,527,912,000	2,487,082,000	2,502,231,000		1,909,399,000	1,167,746,511
interest-earning assets:
loans receivable:
one- to four-family residential																				3,720	4,200
other residential																				4,220	4,320
commercial real estate																				4,170	4,340
construction																				4,280	4,140
commercial business																				3,700	4,570
other loans																				5,240	6,030
industrial revenue bonds																				4,450	5,310
total loans receivable																				4,280	4,680
investment securities																				2,990	3,170
other interest-earning assets																				240	1,170
total interest-earning assets																				3,960	4,520
non-interest-earning assets:
other non-earning assets
interest-bearing liabilities:
interest-bearing demand and savings																				290	290
time deposits																				1,190	1,090
total deposits																				670	670
short-term borrowings, repurchase agreements and other interest-bearing liabilities																				20
subordinated debentures issued to capital trusts																				1,850	2,770	30,929,000	30,929,000	30,929,000	30,929,000	30,929,000		30,929,000	30,929,000	30,929,000		30,929,000	30,929,000	30,929,000		30,929,000	30,929,000	30,929,000		30,929,000	30,929,000	30,929,000
total interest-bearing liabilities																				850	810
non-interest-bearing liabilities:
demand deposits
other liabilities
stockholders’ equity
net interest income:
interest rate spread																				3,110	3,710
net interest margin*
average interest-earning assets to average interest- bearing liabilities
short-term borrowings and structured repurchase agreements																					30
fhlbank advances
stockholders' equity
average interest-earning assets to average interest-bearing liabilities
_____________________
*
held-to-maturity securities (fair value 390 – june 2015;
499 - december 2014)																						353,000	450,000
loans receivable, net of allowance for loan losses of
39,698 – june 2015; 38,435 - december 2014																						3,202,377,000
fdic indemnification asset																						32,177,000	37,799,000	51,603,000	58,352,000	65,592,000		80,554,000	89,637,000	98,106,000		130,939,000	148,618,000	84,087,000		62,567,000	76,387,000	87,410,000		124,583,000	129,730,000	135,864,000		187,359,000	154,869,000	153,578,000
other real estate owned																						39,997,000	46,165,000	43,762,000	46,226,000	49,963,000
investment in federal home loan bank stock																						12,605,000	8,566,000	12,013,000	8,054,000	9,333,000		9,855,000	10,374,000	10,090,000		10,066,000	11,077,000	11,965,000		11,236,000	11,241,000	11,524,000		11,583,000	12,193,000	11,081,000		14,816,000	12,461,000	12,268,000		8,448,000	9,294,000	10,151,000		10,775,000	14,118,900
federal home loan bank advances																						193,594,000	92,618,000	190,664,000	91,686,000	126,260,000		127,808,000	128,125,000	126,401,000		126,296,000	146,673,000	147,102,000		151,512,000	151,889,000	152,261,000		153,906,000	166,333,000	168,125,000		234,413,000	200,364,000	201,194,000		122,847,000	123,031,000	123,213,000		186,164,000	237,101,715
short-term borrowings																						1,308,000	1,313,000	1,155,000	1,158,000	1,207,000		633,000	633,000	663,000		522,000	522,000	522,000		660,000	660,000	660,000		249,000	278,000	248,000		319,000	325,000	85,324,000		52,519,000	281,909,000	222,463,000		158,897,000	14,561,848
accounts payable and accrued expenses																						27,000,000	28,434,000	22,258,000	16,230,000	18,606,000		18,307,000	16,182,000	15,485,000		15,756,000	17,358,000	12,721,000		10,699,000	10,050,000	9,395,000		11,790,000	33,425,000	9,246,000		26,532,000	9,396,000	9,621,000		8,971,000	8,829,000	19,044,000		18,553,000	2,841,690
serial preferred stock – .01 par value...																						57,943,000	57,943,000	57,943,000	57,943,000	57,943,000		57,943,000	57,943,000	57,943,000		57,943,000	57,943,000
december 2014 - 13,754,806 shares																						138,000	138,000
held-to-maturity securities (fair value 502 – march 2015;
39,071 – march 2015; 38,435 - december 2014																							3,120,897,000
held-to-maturity securities (fair value 505 – september 2014;
912 - december 2013)																								450,000	450,000	805,000
38,081 – september 2014; 40,116 - december 2013																								2,921,310,000
structured repurchase agreements																										50,000,000		50,000,000	53,013,000	53,026,000		53,052,000	53,065,000	53,077,000		53,103,000	53,116,000	53,129,000		53,155,000	53,168,000	53,181,000		53,211,000	50,000,000	50,000,000		50,000,000
current and deferred income tax liability																								3,603,000	5,815,000	4,113,000		5,448,000	9,049,000	18,222,000		12,644,000	10,420,000	297,000
december 2013 - 13,673,709 shares																								137,000	137,000	137,000
federal funds sold																									22,628,000							337,000	337,000	337,000
held-to-maturity securities (fair value 504 – june 2014;
38,082 – june 2014; 40,116 - december 2013																									2,790,774,000
held-to-maturity securities (fair value 914 – march 2014;
38,275 – march 2014; 40,116 - december 2013																										2,513,985,000
diluted earnings from continuing operations per common share																											2,420				3,200
allowance for loan losses/year-end loans																											1,920				2,210				2,330				2,480				2,350				1,660				1,380
allowance for loan losses/non-performing loans																											201,530				180,840				149,950				141,020				151,380				87,840				71,770
year-end tangible common stockholders' equity to assets																											8,900				7,700				6,900				7,100				6,500				6,700
tier 1 risk-based capital ratio																											15,600				15,700				14,800				16,800				15,000				13,800				10,400
total risk-based capital ratio																											16,900				16,900				16,100				18,000				16,300				15,100				11,700
ratio of earnings to fixed charges and preferred stock dividend requirement :
including deposit interest																											2,840				3,090				1,780				1,530				2,300				890				1,470
excluding deposit interest																											5,870				8,240				3,300				2,990				6,290				340				3,690
held-to-maturity securities (fair value 915 – september 2013;
1,084 - december 2012)																												805,000	805,000	920,000
39,456 – september 2013; 40,649 - december 2012																												2,328,738,000
foreclosed assets held for sale																												55,606,000	61,093,000	65,258,000		74,045,000	79,141,000	69,244,000		65,674,000	70,577,000	61,872,000		50,582,000	52,793,000	56,567,000		45,616,000	42,935,000	40,394,000		32,810,000	33,032,000	22,935,000		1,775,000	4,920,819
december 2012 - 13,596,335 shares																												137,000	136,000	136,000
held-to-maturity securities (fair value 918 – june 2013;
40,185 - june 2013; 40,649 - december 2012																													2,325,877,000
accumulated other comprehensive gain																													9,004,000	16,455,000		18,664,000	15,963,000	14,075,000		11,607,000	8,722,000	2,545,000		9,295,000	11,306,000	10,826,000
held-to-maturity securities (fair value 1,080 – march 2013;
40,548 - march 2013; 40,649 - december 2012																														2,335,209,000
held-to-maturity securities (fair value 1,098 – september 2012;
2,101 - december 2011)																																920,000	920,000	1,865,000
40,307 - september 2012; 41,232 - december 2011																																2,332,510,000
current and deferred income tax asset
december 2011 - 13,479,856 shares																																136,000	134,000	134,000
held-to-maturity securities (fair value 1,093 – june 2012;
40,722 - june 2012; 41,232 - december 2011																																	2,308,676,000
held-to-maturity securities (fair value 2,043 – march 2012;
41,532 – march 2012; 41,232 - december 2011																																		2,119,054,000
serial preferred stock – sblf, .01 par value...																																		57,943,000		57,943,000
ratio of earnings to fixed charges and preferred stock dividend requirement:
held-to-maturity securities (fair value 2,142 – september 2011;
1,300 - december 2010)																																				1,865,000	1,865,000	1,125,000
40,466 – september 2011; 41,487 - december 2010																																				1,958,872,000
serial preferred stock – cpp, .01 par value...
december 2010 - 13,454,000 shares																																				134,000	134,000	134,000
common stock warrants; september 2011 – 0 shares, december 2010 – 909,091 shares
held-to-maturity securities (fair value 2,137 – june 2011;
40,487 – june 2011; 41,487 - december 2010																																					1,910,885,000
deferred income taxes																																					3,727,000									2,912,000		16,072,000	11,863,000	10,354,000		6,936,000	5,369,817
stock warrants; 909,091 shares																																					2,452,000	2,452,000		2,452,000	2,452,000	2,452,000
held-to-maturity securities (fair value 1,270 – march 2011;
41,834 – march 2011; 41,487 - december 2010																																						1,888,493,000
held-to-maturity securities (fair value 1,322 – september 2010;
16,065 - december 2009)																																								1,125,000	16,125,000	16,290,000
40,138 – september 2010; 40,101 - december 2009																																								1,913,186,000
december 2009 - 13,406,403 shares																																								134,000		134,000
held-to-maturity securities (fair value 16,266 – june 2010;
40,535 – june 2010; 40,101 - december 2009																																									1,934,578,000
held-to-maturity securities (fair value 16,451 – march 2010;
40,571 – march 2010; 40,101 - december 2009																																										2,029,164,000
held-to-maturity securities (fair value 16,430 – september 2009;
1,422 - december 2008)																																												16,290,000	26,290,000	1,360,000
38,630 – september 2009; 29,163 - december 2008																																												2,072,443,000
december 2008 – 58,000 shares																																												55,905,000
december 2008 - 13,380,969 shares																																												134,000
stock warrants; september 2009 and december 2008 – 909,091 shares																																												2,452,000
held-to-maturity securities (fair value 26,394 – june 2009;
32,602 – june 2009; 29,163 - december 2008																																													1,868,775,000
outstanding june 2009 and december 2008 – 58,000 shares																																													55,796,000
outstanding june 2009 - 13,385,731 shares; december 2008 - 13,380,969 shares																																													134,000
stock warrants; june 2009 and december 2008 – 909,091 shares																																													2,452,000
held-to-maturity securities (fair value 1,444 – march 2009;
30,168 – march 2009; 29,163 - december 2008																																														1,928,464,000
refundable income taxes																																														1,696,000		7,252,000	9,578,000	8,892,000
authorized 1,000,000 shares; issued and outstanding march 2009 and																																														55,687,000
outstanding march 2009 - 13,380,969 shares; december 2008 -
13,380,969 shares																																														134,000
stock warrants; march 2009 and december 2008 – 909,091 shares																																														2,452,000
year-end fully diluted shares outstanding																																															13,381,000				13,654,000
asset quality ratios:
ratio of earnings to fixed charges:
held-to-maturity securities (fair value 1,443 – september 2008;
1,508 - december 2007)																																																1,360,000	1,360,000	1,420,000
29,379 – september 2008; 25,459 - december 2007																																																1,766,583,000
authorized 1,000,000 shares; none issued
outstanding september 2008 - 13,380,969 shares; december 2007 -
13,400,197 shares																																																134,000	134,000	134,000
held-to-maturity securities (fair value 1,440 – june 2008;
27,242 – june 2008; 25,459 - december 2007																																																	1,794,511,000
outstanding june 2008 - 13,380,969 shares; december 2007 -
held-to-maturity securities (fair value 1,551 – march 2008;
26,492 - march 2008; 25,459 - december 2007																																																		1,828,892,000
outstanding march 2008 - 13,389,303 shares; december 2007 -
book value																																																			14,170
average stockholders' equity to average assets																																																			7,900
year-end tangible stockholders' equity to assets																																																			7,700
loans receivable, net of allowance for loan losses of 24,017 - march 2005; 23,489 - december 2004																																																				1,306,394,000
refundable income tax
income taxes payable																																																				364,000	9,935,030
see notes to consolidated financial statements
loans receivable, net of allowance for loan losses of 19,144,937 - march 2001; 18,693,971 - december 2000)																																																					891,293,061
interest receivable:
loans																																																					6,362,411
investments																																																					1,853,941
excess of cost over fair value of net assets acquired, at amortized cost																																																					232,267
note payable to bank																																																					16,500,000
accumulated other comprehensive income:
unrealized appreciation on available-for-sale securities, net of income taxes of 334,188 at march 31, 2001 and 199,651 at december 31, 2000																																																					667,113
less treasury common stock, at cost; march 31, 2001 - 5,429,491 shares; december 31, 2000 - 5,427,670 shares																																																					-59,130,082

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2014-09-30	2014-06-30	2014-03-31	2013-09-30	2013-06-30	2013-03-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2005-03-31	2001-03-31

cash flows from operating activities
net income	17,476,000	17,752,000	36,928,840	17,160	14,922,000	16,490,000	16,988,000	13,407,000	13,145,000	15,879,000	18,320,000	20,456,000	18,133,000	18,224,000	16,987,000	74,567,654	20,364	-18,829,018	18,868,000	27,851,000	11,590,000	11,054,000	8,818,000	8,438,000	8,224,000	8,394,000	7,104,000	21,656,000	7,497,000	12,031,000	6,455,000	5,890,000	5,893,000	6,162,000	5,825,000	5,538,000	27,565,000	4,136,000	18,259,000	824,000	6,332,000	-15,153,000	6,478,000	4,727,132
proceeds from sales of loans held for sale	32,885,000	41,954,000	70,949,239	28,761	40,824,000	48,632,000	47,794,000	37,509,000	30,451,000	54,104,000	47,330,000	25,328,000	29,150,000	15,724,000	33,902,000	351,110,236	91,334	-85,190,570	85,380,000	215,301,000	53,950,000	26,702,000	21,220,000	58,846,000	76,124,000	49,412,000	68,332,000	57,468,000	59,587,000	68,210,000	36,674,000	34,349,000	52,100,000	56,567,000	33,813,000	33,441,000	35,641,000	46,849,000	46,180,000	24,349,000	26,574,000	24,742,000	9,596,000	15,345,563
originations of loans held for sale	-31,490,000	-41,014,000	-67,692,364	-27,636	-36,902,000	-44,400,000	-48,877,000	-41,578,000	-30,150,000	-48,416,000	-50,964,000	-26,465,000	-29,864,000	-16,337,000	-23,872,000	-332,023,443	-80,932	94,626,375	-94,811,000	-193,873,000	-73,163,000	-35,700,000	-13,389,000	-45,032,000	-68,933,000	-57,070,000	-74,054,000	-65,796,000	-50,684,000	-75,322,000	-47,846,000	-35,082,000	-36,831,000	-53,326,000	-38,827,000	-30,154,000	-30,954,000	-58,615,000	-45,488,000	-23,988,000	-26,218,000	-18,030,000	-6,802,000	-12,371,629
items not requiring (providing) cash:
depreciation	2,143,000	1,985,000	3,948,031	1,969	2,008,000	2,053,000	2,066,000	2,111,000	2,123,000	2,162,000	2,171,000	2,267,000	2,078,000	2,064,000	2,227,000	9,547,712	2,522	-2,406,234	2,411,000	3,597,000	2,190,000	2,131,000	2,089,000	2,036,000	1,981,000	1,954,000	1,887,000	1,763,000	1,596,000	1,378,000	1,305,000	1,210,000	1,206,000	889,000	843,000	788,000	723,000	663,000	613,000	614,000	609,000	610,000	685,000	470,749
amortization	116,000	109,000	266,814	186	186,000	-628,000	728,000	426,000	134,000	120,000	137,000	198,000	319,000	280,000	262,000	1,581,670	341	-509,011	510,000														561,000	249,000	247,000	264,000	214,000	190,000	85,000	95,000	100,000	98,000	91,000	36,594
compensation expense for stock option grants	494,000	457,000	911,544	456	471,000	433,000	433,000	433,000	426,000	399,000	399,000	397,000	352,000	352,000	350,000	1,224,105	298	-297,403	298,000	744,000	136,000	137,000	136,000	112,000	111,000	110,000	106,000	103,000	111,000	126,000	121,000	120,000	119,000	113,000	115,000	112,000
provision for credit losses on loans
provision (credit) for unfunded commitments	-931,000	-379,000	-457,652	-348			-607,000	130,000	-1,689,000	-1,195,000	-1,619,000	-826,000	1,315,000	2,223,000	-193,000		643	673,019	-674,000
net gain on loan sales	-719,000	-916,000	-1,493,399	-601	-899,000	-1,076,000	-1,127,000	-677,000	-472,000	-784,000	-709,000	-389,000	-602,000	-498,000	-1,134,000
net loss on sale of premises and equipment	-13,000
net loss on sale/write-down of other real estate owned and repossessions	6,000
accretion of deferred income, premiums, discounts and other	-1,189,000	-3,641,000	-7,474,982	-3,018	-3,876,000	-3,860,000	-3,323,000	-3,278,000	-9,395,000	-1,588,000	-1,460,000	-1,331,000	-3,522,000	-1,329,000	-1,357,000	-10,254,485	-2,784	2,349,269	-2,354,000
loss on derivative interest rate products	2,000	2,000	51,976	24		37,000	7,000	13,000
deferred income taxes	-958,000	-341,000	-276,839	-161	1,001,000	266,000	30,000	-840,000	2,140,000	601,000	339,000	-95,000	886,000	-1,625,000	203,000	3,710,002	1,506	-969,508	970,000	-7,110,000	-3,999,000	895,000	-1,266,000	-8,524,000	1,559,000	-6,660,000	-6,233,000	9,932,000	-195,000	-6,539,000	4,688,000	-3,208,000	-4,245,000	6,191,000	693,000	-285,000	9,585,000	-1,013,000	8,175,000	-3,222,000	397,000	-1,402,000	-868,000	-338,796
changes in:
interest receivable	-1,648,000	713,000	-212,926	-1,074	1,832,000	158,000	-781,000	-433,000	-1,840,000	-2,188,000	306,000	1,623,000	-229,000	-1,100,000	-1,753,000	2,086,497	676	234,827	-234,000	-870,000	471,000	-134,000	895,000	1,405,000	95,000	323,000	761,000	556,000	1,020,000	-673,000	108,000	-23,000	961,000	1,695,000	435,000	1,100,000	898,000	443,000	196,000	1,006,000	1,086,000	1,246,000	-1,138,000
prepaid expenses and other assets	2,928,000	-228,000	1,139,406	2,594	-4,155,000	-72,000	22,517,000	-18,468,000	36,016,000	-28,484,000	10,612,000	-22,687,000	-3,284,000	-13,783,000	533,000	3,248,737	-2,768	-13,650,969	13,662,000	-21,350,000	4,475,000	1,880,000	-2,168,000	4,112,000	6,639,000	5,493,000	11,588,000	44,107,000	18,237,000	13,180,000	-17,560,000	-611,000	4,988,000	13,881,000	17,010,000	-81,000	14,577,000	-8,326,000	925,000	-3,891,000	8,314,000	-10,600,000	-178,000	-476,892
accrued expenses and other liabilities	-1,175,000	-12,245,000	18,025,896	-4,896	-6,264,000	-336,000	11,358,000	-17,605,000	220,000	1,334,000	20,595,000	1,321,000	1,760,000	1,561,000	2,362,000	-2,495,842	-43	-311,115	312,000
income taxes refundable/payable	3,257,000	1,382,000	-296,577	1,577	-855,000	-672,000	-897,000	1,394,000	-1,373,000	610,000	-3,279,000	3,783,000	-1,190,000	971,000	3,019,000	-1,808,705	-2,801	-3,010,494	3,014,000	-3,023,000			86,000	7,798,000	-6,720,000	-410,000	7,003,000	-826,000	1,146,000	4,267,000	-2,225,000	-4,515,000	4,947,000	-9,600,000	-3,767,000	-4,583,000	2,071,000	-375,000	5,293,000	2,326,000	-686,000	-7,191,000	868,000	2,866,483
net cash from operating activities	21,184,000	5,588,000	54,293,000	15,000	9,786,000	17,712,000	43,503,000	-26,937,000	40,595,000	-7,523,000	42,186,000	5,442,000	17,161,000	5,396,000	31,389,000	84,898,253	22,960	-24,477,213	24,532,000	12,093,000	9,485,000	-44,000	24,514,000	42,551,000	29,908,000	21,298,000	30,888,000	62,672,000	44,380,000	45,025,000	2,806,000	14,438,000	45,729,000	6,110,000	46,278,000	10,125,000	50,207,000	-15,382,000	13,857,000	10,321,000	10,087,000	16,870,000	15,417,000	11,136,041
capital expenditures	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	21,184,000	5,588,000	54,293,000	15,000	9,786,000	17,712,000	43,503,000	-26,937,000	40,595,000	-7,523,000	42,186,000	5,442,000	17,161,000	5,396,000	31,389,000	84,898,253	22,960	-24,477,213	24,532,000	12,093,000	9,485,000	-44,000	24,514,000	42,551,000	29,908,000	21,298,000	30,888,000	62,672,000	44,380,000	45,025,000	2,806,000	14,438,000	45,729,000	6,110,000	46,278,000	10,125,000	50,207,000	-15,382,000	13,857,000	10,321,000	10,087,000	16,870,000	15,417,000	11,136,041
cash flows from investing activities
net change in loans	-100,513,000	87,407,000	157,762,399	-399	45,697,000	-77,988,000	-55,764,000	9,957,000	-24,570,000	-46,594,000	54,148,000	-62,080,000	8,281,000	-133,472,000	-66,914,000	448,248,083	221,466	-14,493,549	14,623,000
purchase of loans					-20,000,000	0	0	-6,251,000	0	0	0	-400,000	-142,147,000	-115,371,000	-37,244,000				-12,078,000	-18,855,000	-33,318,000	-19,628,000	-20,298,000				0	0	-12,107,000	0	-1,950,000			-32,000	-890,000	-11,242,000	-3,924,000	-8,949,000	-2,959,000	-1,641,000	-218,000	-1,647,000	-2,090,000
purchase of premises and equipment	-1,302,000	-1,737,000	-6,327,068	-1,932	-1,432,000	-1,172,000	-1,511,000	-809,000	-1,129,000	-1,954,000	-1,566,000	-2,651,000	-4,965,000	-9,438,000	-1,473,000	-5,735,024	-1,695	1,161,719	-1,164,000	3,374,000	-4,428,000	-5,568,000	-1,602,000	-4,013,000	-3,002,000	-2,746,000	-7,554,000	-4,489,000	-10,519,000	-6,979,000	-3,859,000	-5,050,000	-3,537,000	-2,579,000	-1,736,000	-1,785,000	-2,154,000	-1,842,000	-6,227,000	-1,074,000	-537,000	-2,381,000	-1,515,000	-976,670
proceeds from sale of premises and equipment	33,000	46,000			68,000	70,000	22,000	4,000	21,000	178,000	27,000	28,000	19,000	3,800,000	11,000	585,547	388	-9,935	10,000	583,000	1,000	112,000	85,000	71,000	42,000	1,162,000	334,000	146,000	8,000	558,000	309,000	54,000	86,000	51,000	96,000	22,000	33,000	95,000	50,000	61,000	338,000	14,000	59,000	216,984
proceeds from sale of other real estate owned and repossessions	69,000	105,000	36,964	36		9,890,000	1,097,000	25,000		55,000	184,000	41,000	143,000	1,612,000	437,000		187	-437,464	439,000
proceeds from maturities and calls of available-for-sale securities	9,000	7,000	1,615,491	1,509						7,000	7,000	1,008,000	0	0	750,000		500	-5,244,170	5,250,000
principal reductions on mortgage-backed securities	10,115,000	9,564,000	28,091,762	8,238		10,433,000	9,422,000	7,296,000		8,602,000	9,582,000	7,490,000	15,489,000	21,904,000	26,146,000		12,808	-14,757,193	14,786,000		24,232,000	26,939,000	27,057,000	53,416,000	81,196,000	45,098,000	39,575,000	37,651,000	30,355,000		27,488,000	28,964,000	32,999,000	34,864,000	77,465,000	38,750,000	44,587,000	57,964,000	31,426,000	14,101,000	17,406,000	17,430,000	17,847,000	45,428
purchase of available-for-sale securities		-2,952,000			0	0							-5,827,000	-91,000,000	-245,183,000	-177,385,095	-1	80,823,096	-80,904,000	-77,635,000	-20,747,000	-15,831,000	-4,083,000	-4,938,000	-28,784,000	-58,703,000	-10,370,000	-40,607,000	-34,826,000	-87,803,000	-10,388,000	-13,600,000	-112,823,000	-140,854,000	-229,737,000	-9,992,000	-62,913,000	-42,455,000	-108,154,000	-102,593,000	-92,782,000	-175,659,000	-90,263,000	-86,554,255
investment in tax credit partnerships	-596,000	-1,906,000	-9,002,361	-639	-72,000	-691,000	-5,206,000	-6,100,000
redemption (purchase) of federal home loan bank stock and change in other interest-earning assets	-7,641,000												-17,890,000
net cash from investing activities	-99,826,000	68,645,000	170,934,608	9,392	16,112,000	-47,318,000	-157,736,000	13,548,000	-49,096,000	-42,986,000	57,282,000	-53,408,000	-141,738,000	-328,765,000	-318,443,000	190,473,095	206,421	55,920,484	-55,887,000	-238,325,000	7,486,000	61,395,000	38,098,000	149,903,000	62,800,000	-24,769,000	-2,050,000	238,656,000	-27,610,000	-10,222,000	-16,190,000	-29,551,000	-98,456,000	69,228,000	78,843,000	61,804,000	206,702,000	73,841,000	108,699,000	-26,677,000	14,022,000	-97,860,000	-75,396,000	-26,850,134
cash flows from financing activities
net decrease in certificates of deposit	-17,018,000														-62,978,000		-103,444				13,713,000	-63,048,000	-39,884,000	2,018,000			-174,288,000			-28,823,000	-47,968,000			-86,779,000
net increase in checking and savings deposits	-9,136,000	31,223,000	35,415,734	43,266		31,609,000	-111,150,000	60,430,000		11,109,000	-1,098,000	73,728,000	-122,412,000	-90,372,000	214,000		47,287	-248,916,963	249,198,000			-117,141,000	154,279,000	-163,116,000	-111,844,000	138,769,000	32,781,000	-3,858,000	82,483,000		44,207,000	34,510,000	60,188,000	57,673,000	45,092,000	51,656,000	35,256,000	-45,520,000	102,285,000	-97,863,000	-89,663,000	80,541,000	46,577,000	2,515,025
net increase in brokered deposits	-11,459,000
net increase in short-term borrowings	128,463,000	43,872,000	25,981,462	36,538		-32,427,000				10,915,000	-94,997,000	-40,062,000	-94,421,000	166,766,000	12,006,000						14,142,000	28,888,000	-6,723,000																		59,446,000	5,742,000	7,306,000
repayment of borrowing under federal reserve bank term funding program		0	-179,820,000	-180,000
advances from borrowers for taxes and insurance	3,240,000	1,082,000	3,547,821	2,179		1,385,000	1,881,000	1,413,000		885,000	1,256,000	1,496,000	1,260,000	1,549,000	1,178,000		168	-371,808	373,000		718,000	-76,000	2,753,000	1,412,000	715,000	1,533,000	2,030,000	499,000	888,000		660,000	733,000	177,000	169,000	510,000	-7,000	-125,000	382,000	403,000	215,000	323,000	316,000	279,000
repurchases of the company’s common stock	-16,922,000
dividends paid	-4,761,000	-4,559,000	-9,313,308	-4,692	-4,672,000	-4,634,000	-4,680,000	-4,722,000	-4,747,000	-4,789,000	-4,853,000	-4,893,000	-4,956,000	-4,593,000	-4,732,000	-18,786,012	-4,656	4,666,668	-4,676,000	-25,055,000	-2,881,000	-2,884,000	-2,606,000	-2,598,000	-2,595,000	-168,000	-2,576,000	-2,574,000	-2,799,000	-2,771,000	-3,173,000	-3,147,000	-3,146,000	-3,143,000	-3,143,000	-3,137,000	-3,134,000	-3,134,000	-2,972,000	-2,407,000	-2,408,000	-2,412,000	-1,644,000	-862,163
stock options exercised	4,085,000	1,805,000	1,084,275	725	4,459,000	5,074,000	304,000	259,000	574,000	55,000	182,000	73,000	1,953,000	511,000	2,456,000	3,697,357	547	-619,904	622,000	-490,000	606,000	237,000	308,000	576,000	211,000	305,000	1,697,000	126,000	341,000	48,000	170,000	89,000	4,000	150,000	73,000	301,000	252,000	117,000	117,000	117,000	124,000	135,000	178,000	7,712
net cash from financing activities	76,492,000	-123,911,000	-175,092,033	-2,967	-38,507,000	51,502,000	129,255,000	-26,497,000	37,519,000	28,885,000	-80,205,000	64,122,000	117,875,000	166,039,000	-77,175,000	-122,038,811	-141,993	-80,152,196	80,182,000	576,345,000	-18,811,000	-236,507,000	107,845,000	-225,950,000	-200,671,000	80,603,000	-168,454,000	-136,938,000	63,391,000	146,000	3,259,000	-91,759,000	85,053,000	-62,958,000	-226,116,000	49,646,000	-110,110,000	-76,446,000	132,778,000	39,833,000	-4,528,000	80,435,000	53,158,000	25,330,469
increase in cash and cash equivalents	-2,150,000	-49,678,000	50,135,575	21,425	-12,609,000	21,896,000	15,022,000	-39,886,000	29,018,000	-21,624,000	19,263,000	16,156,000	-6,702,000	-157,330,000	-364,229,000								170,457,000	-33,496,000	-107,963,000	77,132,000	-139,616,000	164,390,000	80,161,000	34,949,000	-10,125,000	-106,872,000	32,326,000	12,380,000	-100,995,000	121,575,000	146,799,000	-17,987,000	255,334,000	23,477,000	19,581,000	-555,000	-6,821,000	9,616,376
cash and cash equivalents, beginning of period	189,554,000	0	195,560,244	195,756		0	0	211,333,000		0	0	168,520,000	0	0	717,267,000		0	-563,165,271	563,729,000		0	0	227,925,000	0	0	404,141,000	0	0	380,249,000		0	0	429,971,000	0	0	444,576,000	0	0	167,920,000	0	0	80,525,000	93,211,000	40,100,743
cash and cash equivalents, end of period	187,404,000	-49,678,000	245,695,819	217,181		21,896,000	15,022,000	171,447,000		-21,624,000	19,263,000	184,676,000	-6,702,000	-157,330,000	353,038,000		87,388	-611,874,196	612,556,000		-1,840,000	-175,156,000	398,382,000	-33,496,000	-107,963,000	481,273,000	-139,616,000	164,390,000	460,410,000		-10,125,000	-106,872,000	462,297,000	12,380,000	-100,995,000	566,151,000	146,799,000	-17,987,000	423,254,000	23,477,000	19,581,000	79,970,000	86,390,000	49,717,119
net gain on sale/write-down of other real estate owned and repossessions													-5,000
net non-cash gain recorded on contract termination					0	0
redemption of federal home loan bank stock and change in other interest-earning assets		-1,889,000	4,675,421	2,579		12,140,000	-13,165,000	9,426,000				3,156,000			91,000		100	-3,147,949	3,151,000
proceeds from borrowing under federal reserve bank term funding program					0	0	0	180,000,000
redemption of subordinated notes		0														-74,925,000
repurchase of the company’s common stock		-10,042,000	-19,996,786	-10,214		-108,000

benefit from credit losses on loans						1,200,000	0	500,000		0	0	1,500,000							300,000
net (gain) loss on sale of premises and equipment								15,000		0	23,000	-5,000
net (gain) loss on sale/write-down of other real estate owned and repossessions			4,995	5		-458,000				-22,000
net increase in certificates of deposit			43,008,769	109,231	-56,670,000	50,603,000	-46,951,000	-8,714,000	-56,727,000	16,159,000	28,019,000	39,355,000	345,325,000						-139,165,000							-71,677,000			32,332,000				19,967,000			30,470,000	-100,763,000	41,212,000	-61,166,000	90,071,000	27,832,000	87,175,000	46,001,000	46,778,432
net income on sale of premises and equipment				2		8,000									3,000
operating activities
items not requiring (providing) cash
benefit from credit losses
net realized loss on available-for-sale securities
gain on sale of premises and equipment
gain on sale/write-down of other real estate and repossessions
gain on derivative interest rate products													-88,000	-145,000	-152,000	-311,659	-46	473,705	-474,000							-61,000
changes in
investing activities
proceeds from sale of other real estate and repossessions
proceeds from sale of available-for-sale securities													5,159,000	0	4,936,000																												24,054,000	4,131,907
proceeds from repayments of held-to-maturity securities
proceeds from maturities, calls and repayments of available-for-sale securities
redemption (purchase) of federal home loan bank stock and other interest-earning assets
financing activities
net increase in checking and savings accounts
net increase in short‑term borrowings and other interest-bearing liabilities
advances from (to) borrowers for taxes and insurance
purchase of the company’s common stock								-5,835,000	-3,588,000	-5,449,000	-8,714,000	-5,575,000	-8,874,000	-25,062,000	-25,319,000	-39,099,227	-16,313	3,772,540	-3,780,000
cash and cash equivalents, beginning of year
cash and cash equivalents, end of year
credit for unfunded commitments
net income on sale/write-down of other real estate owned and repossessions								4,000				76,000			9,000
net decrease in short-term borrowings								-249,328,000										22,383,858	-22,390,000																									-26,133,525
provision (credit) for credit losses
net realized (gain) loss on available-for-sale securities
net gain on sale of available-for-sale investments													-31,000	0	-7,000
(gain) loss on derivative interest rate products										-55,000	-2,000	291,000									-10,000	130,000	103,000	124,000			104,000	116,000	-96,000
purchase of federal home loan bank stock and change in other interest-earning assets										-3,280,000
provision (credit) for credit losses on loans																	-3,000
net gain on sale of premises and equipment
benefit from unfunded commitments
cash received for termination of interest rate derivative
capitalized costs on other real estate owned
proceeds from issuance of subordinated notes
net gains on loan sales																	-2,342	2,682,699	-2,688,000	-5,389,000	-1,543,000	-608,000	-549,000	-1,179,000	-1,628,000	-1,429,000	-1,404,000	-1,096,000	-1,150,000	-1,172,000	-743,000	-702,000	-907,000	-1,156,000	-755,000	-793,000	-729,000	-735,000	-606,000	-369,000	-365,000	-393,000	-175,000
net realized gains on sales of available-for-sale securities
net (gains) losses on sale of premises and equipment																	-8	-5,999	6,000				5,000	7,000	1,000	-18,000					2,000	-18,000	168,000
net (gains) losses on sale/write-down of other real estate owned and repossessions																	0
purchase of loans and loan participations																	-27,332
proceeds from termination of interest rate derivative
proceeds from sales of available-for-sale securities
increases in cash and cash equivalents																	87,388	-48,708,925	48,827,000
net incomees on sale/write-down of other real estate owned and repossessions																			36,000
benefit from loan losses																				11,772,000	945,000	1,463,000	1,691,000	2,677,000	3,671,000	8,225,000	8,400,000	17,600,000	10,077,000	10,205,000	8,500,000	8,431,000	8,200,000	10,800,000	12,000,000	5,500,000	16,500,000	6,800,000	5,000,000	4,500,000	4,950,000	37,750,000
net realized (gains) losses on available-for-sale securities
loss on sale/write-down of other real estate and repossessions
gain on sale of business units
cash paid for sale of business units
proceeds from maturities, calls and repayments of held-to-maturity securities
proceeds from federal home loan bank advances																					2,272,000,000			0																0	0	503,000,000	1,282,000,000	802,750,000
repayments of federal home loan bank advances																					-2,173,016,000	-277,002,000	-282,000	-101,000	-37,000	-108,000	-20,140,000	-137,000	-32,573,000	-30,891,000	-174,000	-169,000	-1,059,000	-12,176,000	-1,496,000	-3,181,000	-40,175,000	-462,000	-157,000	-184,000	-182,000	-593,654,000	-1,327,322,000	-800,026,289
amortization of other assets																					860,000	765,000	760,000	1,885,000	1,844,000	1,692,000	1,779,000	1,503,000	1,461,000		560,000
net gains on sale of available-for-sale investment securities																																									-2,000	-6,000
net gains on sale of premises and equipment																					-5,000													-18,000	-10,000	-5,000	6,000	-12,000	-16,000	-9,000	-156,000	-10,000
loss on sale of foreclosed assets																					570,000	667,000	123,000										266,000			858,000								13,836
initial gain recognized on business acquisition																					0
amortization of deferred income, premiums, discounts
and fair value adjustments																					5,418,000	5,184,000	6,421,000	7,859,000	4,897,000	9,762,000	7,530,000	6,176,000	-3,591,000		11,458,000
accounts payable and accrued expenses																					6,177,000	-3,104,000	-388,000	1,826,000	1,432,000	1,118,000	-2,695,000	1,322,000	216,000		389,000	-49,000	-1,207,000	-22,092,000	23,083,000	-249,000	15,046,000	-942,000	-230,000	2,093,000	-8,172,000	8,931,000	5,893,000	-251,494
net increase in loans																					-100,769,000	-89,018,000	-54,050,000	4,158,000	-999,000	-22,203,000	-45,176,000	57,710,000	-16,929,000		-53,346,000	-42,609,000	-27,545,000				21,663,000	56,618,000	2,850,000	26,356,000	13,181,000	-61,086,000	-25,851,000	-10,040,377
cash received from acquisitions																					0
cash received from fdic loss sharing reimbursements																					1,638,000	4,783,000	1,111,000
proceeds from sale of foreclosed assets																					5,299,000	6,144,000	6,218,000	16,642,000	10,297,000	9,034,000	14,250,000	15,108,000	9,352,000	11,328,000	3,279,000	2,532,000	4,635,000	4,980,000	10,100,000	6,852,000	3,173,000	3,492,000	2,246,000	1,921,000	2,064,000	4,080,000	1,045,000	373,877
capitalized costs on foreclosed assets																					-55,000	-33,000	-7,000	-117,000	-98,000	-76,000	-180,000	6,000	-101,000	-28,000	-41,000	-34,000	-164,000	-537,000	-384,000	-267,000	-182,000	-70,000	-152,000	-72,000	-176,000	-146,000		-59,456
proceeds from sales of available-for-sale investment securities																					137,892,000	40,032,000	1,280,000	104,553,000			3,150,000	73,475,000	1,224,000					151,096,000			41,052,000	22,797,000	46,569,000	20,022,000	13,799,000	51,421,000
proceeds from maturing investment securities																					0	0	110,000				0
proceeds from called investment securities																					1,700,000	2,775,000	1,760,000	0	500,000	3,660,000	2,910,000	21,025,000	5,810,000		1,090,000	100,000	6,645,000	28,978,000	15,832,000	2,110,000	25,485,000	10,540,000	25,200,000	15,000,000	60,000,000	45,500,000		59,706,428
redemption (purchase) of federal home loan bank stock																					-3,959,000			519,000
net decrease in checking and savings deposits
repayments of structured repurchase agreements																					0
purchase of company stock																					-31,000
decrease in cash and cash equivalents																					-1,840,000
net gains on sale or impairment of available-for-sale investment securities																						-569,000	-73,000	-110,000	-97,000	-34,000			-28,000
cash received from acquisition																							80,028,000
redemption of federal home loan bank stock																							489,000			5,000	1,011,000	1,473,000	123,000				48,000		-1,112,000	142,000	3,524,000				857,000	3,406,000	3,663,000
(gain) loss on sale of foreclosed assets																								271,000	1,055,000	497,000	1,205,000	664,000	-1,013,000									-370,000	130,000
gain on purchase of additional business units																											0										-45,919,000	-1,005,000	-27,833,000
cash received from purchase of additional business units																											0										144,061,000	0	117,850,000
net increase in short-term borrowings and structured repo																									4,567,000	11,949,000			-17,281,000				8,922,000	-18,852,000	-34,485,000	-26,456,000	-1,421,000	-69,041,000	94,268,000
net (gains) losses on sale or impairment of available-for-sale investment securities																											-507,000							-5,441,000				-176,000	3,985,000
net incomees on sale of premises and equipment																											-18,000	-12,000	189,000
proceeds from sale of student loans																														-5,000	6,000			72,000	4,692,000	17,527,000	7,297,000			396,000	30,000	208,000	3,311,000
purchase of additional business units																														0	0	1,000	-2,000	0
purchase of held-to-maturity investment securities
net decrease in short-term borrowings and structured repo																											-7,958,000				16,030,000
proceeds from issuance of preferred stock
redemption of preferred stock
purchase of common stock warrant
amortization (accretion) of deferred income, premiums, discounts
proceeds from maturing held-to-maturity investment securities																															0	0	1,202,000	0			0			0
net realized (gains) losses and impairment on available-for-sale securities
(gain) loss on sale of premises and equipment
loss on sale/write-down of foreclosed assets
amortization (accretion) of deferred income, premiums and discounts																																	9,510,000
purchase of held-to-maturity securities																														0	0			-15,000,000			-15,000,000						-17,324,000	-920,000
(purchase) redemption of federal home loan bank stock																														2,126,000	5,000
redemption of cpp preferred stock
proceeds from issuance of sblf preferred stock
repurchase of common stock warrants
advances to borrowers for taxes and insurance
change in interest rate swap fair value net of change in
hedged deposit fair value																																					0	-338,000	-846,000	-33,000	-2,277,000	-2,977,000
net decrease in loans																																		7,579,000	73,280,000	19,687,000
amortization of deferred income, premiums and discounts																																			-799,000	-1,326,000	3,727,000	-2,556,000	35,000	-539,000	-392,000	-716,000	48,000	-875,399
net incomees on sale or impairment of available-for-sale investment securities
proceeds from maturing available-for-sale investment securities																																								0	0	21,000,000
stock repurchase																																								0
proceeds from issuance of trust preferred debentures
gain on sale of foreclosed assets																																									-7,000	-29,000	-13,000
stock repurchases																																										-408,000
provision for loan losses																																											900,000	1,650,000
net realized losses on sale of available-for-sale securities																																											20,000	-178
losses on sale of premises and equipment																																											12,000
proceeds from maturing held-to-maturity securities																																											11,668,000	7,250,000
purchase of treasury stock																																											-217,000	-42,808
see notes to consolidated financial statements
gain on sale of loans																																												-356,060
loss on sale of premises and equipment																																												1,319
accrued interest receivable																																												694,813
purchase of federal home loan bank stock																																												-24,000
net increase in advances from borrowers for taxes and insurance																																												344,085

Great Southern Bancorp, Inc(NASDAQ:GSBC)

Great Southern Bancorp, Inc
(NASDAQ:GSBC)