| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Loans | 72,028 | 73,830 | ||
| Investment securities and other | 7,051 | 7,145 | ||
| Total interest income | 79,079 | 80,975 | ||
| Deposits | 23,984 | 24,368 | ||
| Subordinated notes | - | 909 | ||
| Securities sold under reverse repurchase agreements | 297 | 372 | ||
| Short-term borrowings, overnight fhlbank borrowings and other interest-bearing liabilities | 3,618 | 3,974 | ||
| Subordinated debentures issued to capital trust | 407 | 389 | ||
| Total interest expense | 28,306 | 30,012 | ||
| Net interest income | 50,773 | 50,963 | ||
| Credit for losses on unfunded commitments | -379 | -110 | ||
| Net interest income after provision for credit losses on loans and credit for losses on unfunded commitments | 51,152 | 51,073 | ||
| Commissions | 566 | 411 | ||
| Overdraft and insufficient funds fees | -1,367 | -1,266 | ||
| Point-of-sale and atm fee income and service charges | -3,290 | -3,444 | ||
| Net gains on loan sales | 916 | 893 | ||
| Late charges and fees on loans | -189 | -340 | ||
| Loss on derivative interest rate products | 2 | 28 | ||
| Other income | 736 | 1,886 | ||
| Total non-interest income | 7,062 | 8,212 | ||
| Salaries and employee benefits | 20,184 | 20,005 | ||
| Net occupancy and equipment expense | 8,873 | 8,435 | ||
| Postage | 893 | 825 | ||
| Insurance | 1,110 | 1,095 | ||
| Advertising | 985 | 705 | ||
| Office supplies and printing | 238 | 238 | ||
| Telephone | 690 | 705 | ||
| Legal, audit and other professional fees | 1,248 | 929 | ||
| Income on other real estate and repossessions | 142 | 168 | ||
| Intangible asset amortization | 109 | 108 | ||
| Other operating expenses | 1,928 | 2,128 | ||
| Total non-interest expense | 36,116 | 35,005 | ||
| Income before income taxes | 22,098 | 24,280 | ||
| Provision for income taxes | 4,346 | 4,494 | ||
| Net income | 17,752 | 19,786 | ||
| Earnings per share, basic | 1.57 | 1.73 | ||
| Earnings per share, diluted | 1.56 | 1.72 | ||
| Weighted average number of shares outstanding, basic | 11,335,000 | 11,464,000 | ||
| Weighted average number of shares outstanding, diluted | 11,335,000 | 11,464,000 | ||
GREAT SOUTHERN BANCORP, INC. (GSBC)
GREAT SOUTHERN BANCORP, INC. (GSBC)