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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
-$7,423K
Free Cash flow
$2,710K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net change in loans
Proceeds from sales of loans hel...
Net income
Others
Negative Cash Flow Breakdown
Net increase (decrease) in broke...
Net increase (decrease) in check...
Originations of loans held for s...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
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
15,795
-37,222
17,752
36,946
Proceeds from sales of loans held for sale
37,229
-80,047
41,954
70,978
Originations of loans held for sale
37,478
-77,244
41,014
67,720
Depreciation
2,201
-3,792
1,985
3,950
Amortization
108
-260
109
267
Compensation expense for stock option grants
494
-875
457
912
Provision (credit) for unfunded commitments
8
-94
-379
-458
Net gain on loan sales
795
-1,691
916
1,494
Net gain on sale of premises and equipment
24
-12
-4
29
Impairment on premises and equipment
1,389
-
-
-
Net (gain) loss on sale/write-down of other real estate owned and repossessions
63
-7
6
-5
Accretion of deferred income, premiums, discounts and other
1,415
-9,930
3,641
7,478
Loss (gain) on derivative interest rate products
5
52
-2
-52
Deferred income taxes
-1,714
-340
-341
-277
Interest receivable
-1,249
2,147
-713
214
Prepaid expenses and other assets
-1,435
-2,014
228
-1,142
Accrued expenses and other liabilities
-11,428
-6,951
-12,245
18,021
Income taxes refundable/payable
-844
2,170
1,382
-295
Net cash provided by operating activities
6,142
-38,712
5,588
54,308
Net change in loans
-147,866
345,682
-87,407
-157,762
Purchase of loans
-
-
20,000
-
Purchase of premises and equipment
3,432
-6,764
1,737
6,329
Proceeds from sale of premises and equipment
72
-46
46
33
Proceeds from sale of other real estate owned and repossessions
720
-73
105
37
Capitalized costs on real estate owned
582
-
-
-
Proceeds from maturities and calls of available-for-sale securities
9
-1,615
7
1,617
Principal reductions on mortgage-backed securities
-11,440
27,549
-9,564
-28,100
Purchase of available-for-sale securities
-
-
2,952
5,951
Investment in tax credit partnerships
0
-10,313
1,906
9,003
Redemption (purchase) of federal home loan bank stock and change in other interest-earning assets
-306
10,430
1,889
-4,678
Net cash provided by investing activities
156,399
-339,415
68,645
170,944
Net decrease in certificates of deposit
-19,916
127,156
-187,292
43,118
Net increase (decrease) in checking and savings deposits
-46,847
-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
-76,331
-11,459
-
-
Redemption of subordinated notes
-
-
0
75,000
Net increase in short-term borrowings
-22,385
58,573
43,872
26,018
Advances from borrowers for taxes and insurance
1,262
-1,392
1,082
3,550
Repurchases of the company's common stock
7,849
-13,127
10,042
20,007
Dividends paid
4,680
-9,116
4,559
9,318
Stock options exercised
6,782
1,195
1,805
1,085
Net cash used in financing activities
-169,964
375,498
-123,911
-175,095
Increase (decrease) in cash and cash equivalents
-7,423
-2,629
-49,678
50,157
Cash and cash equivalents, beginning of period
196,235
196,235
195,756
-
Cash and cash equivalents, end of period
179,981
187,404
196,235
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Net change in loans
-$147,866K
(6.27%↑ Y/Y)
Principal reductions on
mortgage-backed securities
-$11,440K
(59.29%↑ Y/Y)
Proceeds from sales of
loans held for sale
$37,229K
(-47.55%↓ Y/Y)
Proceeds from sale of
other real estate...
$720K
(1845.95%↑ Y/Y)
Redemption (purchase) of
federal home loan bank...
-$306K
(93.46%↑ Y/Y)
Proceeds from sale of
premises and equipment
$72K
(118.18%↑ Y/Y)
Proceeds from maturities
and calls of...
$9K
(-99.44%↓ Y/Y)
Net income
$15,795K
(-57.25%↓ Y/Y)
Depreciation
$2,201K
(-44.28%↓ Y/Y)
Prepaid expenses and
other assets
-$1,435K
(-25.66%↓ Y/Y)
Impairment on premises and
equipment
$1,389K
Interest receivable
-$1,249K
(-683.64%↓ Y/Y)
Compensation expense for
stock option grants
$494K
(-45.83%↓ Y/Y)
Amortization
$108K
(-59.55%↓ Y/Y)
Provision (credit) for
unfunded commitments
$8K
(101.75%↑ Y/Y)
Net cash provided by
investing activities
$156,399K
(-8.51%↓ Y/Y)
Net cash provided by
operating activities
$6,142K
(-88.69%↓ Y/Y)
Canceled cashflow
$4,014K
Canceled cashflow
$53,766K
Increase (decrease) in
cash and cash...
-$7,423K
(-114.80%↓ Y/Y)
Canceled cashflow
$162,541K
Stock options
exercised
$6,782K
(525.07%↑ Y/Y)
Advances from borrowers
for taxes and...
$1,262K
(-64.45%↓ Y/Y)
Purchase of premises and
equipment
$3,432K
(-45.77%↓ Y/Y)
Capitalized costs on real
estate owned
$582K
Originations of loans held for
sale
$37,478K
(-44.66%↓ Y/Y)
Accrued expenses and
other liabilities
-$11,428K
(-163.41%↓ Y/Y)
Deferred income taxes
-$1,714K
(-518.77%↓ Y/Y)
Accretion of deferred
income, premiums,...
$1,415K
(-81.08%↓ Y/Y)
Income taxes
refundable/payable
-$844K
(-186.10%↓ Y/Y)
Net gain on loan
sales
$795K
(-46.79%↓ Y/Y)
Net (gain) loss on
sale/write-down of other real...
$63K
(1360.00%↑ Y/Y)
Net gain on sale of
premises and equipment
$24K
(-17.24%↓ Y/Y)
Loss (gain) on
derivative interest rate...
$5K
(109.62%↑ Y/Y)
Net cash used in
financing activities
-$169,964K
(2.93%↑ Y/Y)
Canceled cashflow
$8,044K
Net increase
(decrease) in brokered...
-$76,331K
Net increase
(decrease) in checking and...
-$46,847K
(-232.12%↓ Y/Y)
Net increase in
short-term borrowings
-$22,385K
(-186.04%↓ Y/Y)
Net decrease in
certificates of deposit
-$19,916K
(-146.19%↓ Y/Y)
Repurchases of the company's
common stock
$7,849K
(-60.77%↓ Y/Y)
Dividends paid
$4,680K
(-49.77%↓ Y/Y)
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GREAT SOUTHERN BANCORP, INC. (GSBC)
GREAT SOUTHERN BANCORP, INC. (GSBC)