For the quarter ending 2026-03-31, GSBC had -$2,629K decrease in cash & cash equivalents over the period. -$31,948K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Interest income | - | 240,297 | - |
| Interest expense | - | 89,227 | - |
| Net interest income | - | 151,070 | - |
| Credit loss expense | - | -837 | - |
| Net interest income after credit loss expense | - | 151,907 | - |
| Commissions | - | 1,239 | - |
| Overdraft and insufficient funds fees | - | -3,848 | - |
| Point-of-sale and atm fee income and service charges | - | -9,968 | - |
| Net gains on loan sales | - | 2,410 | - |
| Late charges and fees on loans | - | -772 | - |
| Fees from debit card contracts | - | 1,216 | - |
| Other income | - | 2,411 | - |
| Total non-interest income | - | 21,864 | - |
| Salaries and incentives | - | 48,928 | - |
| Employee benefits | - | 11,390 | - |
| Net occupancy expense | - | 9,663 | - |
| Technology, furniture and equipment expense | - | 16,178 | - |
| Postage | - | 2,649 | - |
| Insurance | - | 3,370 | - |
| Advertising | - | 1,980 | - |
| Office supplies and printing | - | 742 | - |
| Telephone | - | 2,101 | - |
| Legal, audit and other professional fees | - | 3,215 | - |
| Income on other real estate and repossessions | - | 380 | - |
| Intangible asset amortization | - | 325 | - |
| Travel meals and entertainment | - | 1,541 | - |
| Other operating expenses | - | 4,241 | - |
| Total non-interest expense | - | 105,943 | - |
| Income before income taxes | - | 67,828 | - |
| Provision for income taxes | - | 13,130 | - |
| Net income | -37,222 | 17,752 | 36,946 |
| Proceeds from sales of loans held for sale | -80,047 | 41,954 | 70,978 |
| Originations of loans held for sale | -77,244 | 41,014 | 67,720 |
| Depreciation | -3,792 | 1,985 | 3,950 |
| Amortization | -260 | 109 | 267 |
| Compensation expense for stock option grants | -875 | 457 | 912 |
| Provision (credit) for unfunded commitments | -94 | -379 | -458 |
| Net gain on loan sales | -1,691 | 916 | 1,494 |
| Net (gain) loss on sale of premises and equipment | -12 | -4 | 29 |
| Net loss on sale/write-down of other real estate owned and repossessions | -7 | 6 | -5 |
| Accretion of deferred income, premiums, discounts and other | -9,930 | 3,641 | 7,478 |
| Loss on derivative interest rate products | 52 | -2 | -52 |
| Deferred income taxes | -340 | -341 | -277 |
| Interest receivable | 2,147 | -713 | 214 |
| Prepaid expenses and other assets | -2,014 | 228 | -1,142 |
| Accrued expenses and other liabilities | -6,951 | -12,245 | 18,021 |
| Income taxes refundable/payable | 2,170 | 1,382 | -295 |
| Net cash provided by operating activities | -38,712 | 5,588 | 54,308 |
| Net change in loans | 345,682 | -87,407 | -157,762 |
| Purchase of loans | - | 20,000 | - |
| Purchase of premises and equipment | -6,764 | 1,737 | 6,329 |
| Proceeds from sale of premises and equipment | -46 | 46 | 33 |
| Proceeds from sale of other real estate owned and repossessions | -73 | 105 | 37 |
| Proceeds from maturities and calls of available-for-sale securities | -1,615 | 7 | 1,617 |
| Principal reductions on mortgage-backed securities | 27,549 | -9,564 | -28,100 |
| Purchase of available-for-sale securities | - | 2,952 | 5,951 |
| Investment in tax credit partnerships | -10,313 | 1,906 | 9,003 |
| Redemption (purchase) of federal home loan bank stock and change in other interest-earning assets | 10,430 | 1,889 | -4,678 |
| Net cash provided by (used in) investing activities | -339,415 | 68,645 | 170,944 |
| Net decrease in certificates of deposit | 127,156 | -187,292 | 43,118 |
| Net increase (decrease) in checking and savings deposits | -75,818 | 31,223 | 35,459 |
| Repayment of borrowing under federal reserve bank term funding program | - | 0 | 180,000 |
| Net increase (decrease) in brokered deposits | -11,459 | - | - |
| Redemption of subordinated notes | - | 0 | 75,000 |
| Net increase in short-term borrowings | 58,573 | 43,872 | 26,018 |
| Advances from borrowers for taxes and insurance | -1,392 | 1,082 | 3,550 |
| Repurchases of the company's common stock | -13,127 | 10,042 | 20,007 |
| Dividends paid | -9,116 | 4,559 | 9,318 |
| Stock options exercised | 1,195 | 1,805 | 1,085 |
| Net cash provided by (used in) financing activities | 375,498 | -123,911 | -175,095 |
| Increase (decrease) in cash and cash equivalents | -2,629 | -49,678 | 50,157 |
| Cash and cash equivalents, beginning of period | 196,235 | 195,756 | - |
| Cash and cash equivalents, end of period | 187,404 | 196,235 | - |
GREAT SOUTHERN BANCORP, INC. (GSBC)
GREAT SOUTHERN BANCORP, INC. (GSBC)