| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 15,650 |
| Depreciation | 1,642 |
| Stock option and stock grant expense | -136 |
| Loss on sale/write-down of foreclosed property | -15 |
| Amortization of intangible assets | 857 |
| Accretion of purchase accounting adjustments | 858 |
| Increase in cash surrender value of bank owned life insurance (boli) | 548 |
| Provision for credit losses | 4,500 |
| Net amortization of premiums and discounts on securities | 220 |
| Originations of loans held for sale | 5,998 |
| Proceeds from sales of loans held for sale | 6,327 |
| Gain on sales of loans held for sale | -175 |
| Accrued interest receivable | 4,573 |
| Prepaid expenses and other assets | 70 |
| Accounts payable and other liabilities | -2,412 |
| Deferred income taxes | -879 |
| Accrued interest payable | 1,148 |
| Net cash provided by operating activities | 16,300 |
| Net increase in loans | 94,448 |
| Net change in interest-bearing deposits | 1 |
| Proceeds from maturities of available for sale securities | 18,036 |
| Purchases of federal home loan bank stock | 113 |
| Redemptions of federal home loan bank stock | 127 |
| Purchases of federal reserve bank of st. louis stock | 3 |
| Purchases of available-for-sale securities | 6,969 |
| Purchases of long-term investments and other assets | 150 |
| Redemptions of long-term investments and other assets | 432 |
| Purchases of premises and equipment | 901 |
| Proceeds from sale of foreclosed assets | 82 |
| Net cash used in investing activities | -83,906 |
| Net increase (decrease) in demand deposits and savings accounts | 37,970 |
| Net (decrease) increase in certificates of deposits | -38,832 |
| Net increase in securities sold under agreements to repurchase | 5,000 |
| Proceeds from federal home loan bank advances | 1,300 |
| Repayments of federal home loan bank advances | 3,314 |
| Purchase of treasury stock | 446 |
| Dividends paid on common stock | 2,820 |
| Net cash (used in) provided by financing activities | -1,142 |
| (decrease) increase in cash and cash equivalents | -68,748 |
| Cash and cash equivalents at beginning of period | 192,859 |
| Cash and cash equivalents at end of period | 124,111 |
SOUTHERN MISSOURI BANCORP, INC. (SMBC)
SOUTHERN MISSOURI BANCORP, INC. (SMBC)