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Income Statement
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Balance Sheet
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Income Overview
Net Income
$15,795K
EPS
$1.43
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Loans
65,686
64,660
72,028
73,830
Investment securities and other
6,775
6,505
7,051
7,145
Total interest income
72,461
71,165
79,079
80,975
Deposits
17,861
18,337
23,984
24,368
Subordinated notes
-
-
-
909
Securities sold under reverse repurchase agreements
133
96
297
372
Short-term borrowings, overnight fhlbank borrowings and other interest-bearing liabilities
4,620
4,062
3,618
3,974
Subordinated debentures issued to capital trust
354
342
407
389
Total interest expense
22,968
22,837
28,306
30,012
Net interest income
49,493
48,328
50,773
50,963
Provision (credit) for losses on unfunded commitments
8
-931
-379
-110
Net interest income after provision for credit losses on loans and provision (credit) for losses on unfunded commitments
49,485
49,259
51,152
51,073
Commissions
641
615
566
411
Overdraft and insufficient funds fees
-1,248
-1,231
-1,367
-1,266
Point-of-sale and atm fee income and service charges
-3,392
-3,101
-3,290
-3,444
Net gains on loan sales
795
719
916
893
Late charges and fees on loans
-305
-136
-189
-340
Gain (loss) on derivative interest rate products
-5
2
2
28
Other income
989
1,229
736
1,886
Total non-interest income
7,375
7,029
7,062
8,212
Salaries and employee benefits
20,691
20,071
20,184
20,005
Net occupancy and equipment expense
10,683
8,864
8,873
8,435
Postage
889
925
893
825
Insurance
1,099
1,072
1,110
1,095
Advertising
836
372
985
705
Office supplies and printing
197
222
238
238
Telephone
705
685
690
705
Legal, audit and other professional fees
967
690
1,248
929
Expense (income) on other real estate and repossessions, net
85
-54
142
168
Intangible asset amortization
108
108
109
108
Other operating expenses
2,132
1,729
1,928
2,128
Total non-interest expense
38,222
34,792
36,116
35,005
Income before income taxes
18,638
21,496
22,098
24,280
Provision for income taxes
2,843
4,020
4,346
4,494
Net income
15,795
17,476
17,752
19,786
Basic EPS
1.45
1.59
1.57
1.73
Diluted EPS
1.43
1.58
1.56
1.72
Basic Average Shares
10,879,000
10,988,000
11,335,000
11,464,000
Diluted Average Shares
10,879,000
10,988,000
11,335,000
11,464,000
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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Income Statement
Loans
$65,686K
(-11.03%↓ Y/Y)
Investment securities and
other
$6,775K
(-5.18%↓ Y/Y)
Total interest income
$72,461K
(-10.51%↓ Y/Y)
Net interest income
$49,493K
(-2.88%↓ Y/Y)
Point-of-sale and atm fee
income and service...
-$3,392K
(1.51%↑ Y/Y)
Overdraft and
insufficient funds fees
-$1,248K
(1.42%↑ Y/Y)
Other income
$989K
(-47.56%↓ Y/Y)
Net gains on loan
sales
$795K
(-10.97%↓ Y/Y)
Commissions
$641K
(55.96%↑ Y/Y)
Late charges and fees
on loans
-$305K
(10.29%↑ Y/Y)
Gain (loss) on
derivative interest rate...
-$5K
(-117.86%↓ Y/Y)
Total interest
expense
$22,968K
(-23.47%↓ Y/Y)
Net interest income
after provision for...
$49,485K
(-3.11%↓ Y/Y)
Total non-interest
income
$7,375K
(-10.19%↓ Y/Y)
Provision (credit) for
losses on unfunded...
$8K
(107.27%↑ Y/Y)
Deposits
$17,861K
(-26.70%↓ Y/Y)
Short-term borrowings,
overnight fhlbank...
$4,620K
(16.26%↑ Y/Y)
Subordinated debentures
issued to capital trust
$354K
(-9.00%↓ Y/Y)
Securities sold under
reverse repurchase...
$133K
(-64.25%↓ Y/Y)
Income before income
taxes
$18,638K
(-23.24%↓ Y/Y)
Total non-interest
expense
$38,222K
(9.19%↑ Y/Y)
Expense (income) on
other real estate and...
$85K
(-49.40%↓ Y/Y)
Net income
$15,795K
(-20.17%↓ Y/Y)
Provision for income taxes
$2,843K
(-36.74%↓ Y/Y)
Salaries and employee
benefits
$20,691K
(3.43%↑ Y/Y)
Net occupancy and
equipment expense
$10,683K
(26.65%↑ Y/Y)
Other operating
expenses
$2,132K
(0.19%↑ Y/Y)
Insurance
$1,099K
(0.37%↑ Y/Y)
Legal, audit and other
professional fees
$967K
(4.09%↑ Y/Y)
Postage
$889K
(7.76%↑ Y/Y)
Advertising
$836K
(18.58%↑ Y/Y)
Telephone
$705K
(0.00%↑ Y/Y)
Office supplies and
printing
$197K
(-17.23%↓ Y/Y)
Intangible asset
amortization
$108K
(0.00%↑ Y/Y)
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GREAT SOUTHERN BANCORP, INC. (GSBC)
GREAT SOUTHERN BANCORP, INC. (GSBC)