For the quarter ending 2025-12-31, SMBC made $133,640,000 in revenue. $18,150,000 in net income. Net profit margin of 13.58%.
| Income Statement | 2025-12-31 | 2025-09-30 | 2025-06-30 | |
|---|---|---|---|---|
| Loans | 65,975,000 | 66,460,000 | 62,711,500 | |
| Investment securities | 1,265,000 | 1,305,000 | 1,452,000 | |
| Mortgage-backed securities | 3,933,000 | 4,151,000 | 4,141,750 | |
| Other interest-earning assets | 1,059,000 | 1,114,000 | 1,036,000 | |
| Total interest income | 72,232,000 | 73,030,000 | 69,341,250 | |
| Deposits | 27,699,000 | 28,940,000 | 28,943,250 | |
| Securities sold under agreements to repurchase | 204,000 | 200,000 | 191,500 | |
| Advances from fhlb | 1,080,000 | 1,081,000 | 1,145,500 | |
| Subordinated debt | 379,000 | 391,000 | 407,000 | |
| Total interest expense | 29,362,000 | 30,612,000 | 30,687,250 | |
| Net interest income | 42,870,000 | 42,418,000 | 38,654,000 | |
| Provision for credit losses | 1,680,000 | 4,500,000 | 1,630,750 | |
| Net interest income after provision for credit losses | 41,190,000 | 37,918,000 | 37,023,250 | |
| Deposit account charges and related fees | 2,429,000 | 2,365,000 | 2,156,250 | |
| Bank card interchange income | 1,614,000 | 1,530,000 | 1,495,250 | |
| Loan servicing fees | 250,000 | 263,000 | 227,250 | |
| Other loan fees | 164,000 | 194,000 | 941,750 | |
| Net realized gains on sale of loans | 167,000 | 175,000 | 187,750 | |
| Net realized gains (losses) on sale of afs securities | - | - | 12,000 | |
| Earnings on bank owned life insurance | 552,000 | 548,000 | 521,000 | |
| Insurance brokerage commissions | 345,000 | 319,000 | 323,500 | |
| Wealth management fees | 936,000 | 851,000 | 825,000 | |
| Other income | 319,000 | 328,000 | 306,250 | |
| Total noninterest income | 6,776,000 | 6,573,000 | 6,996,000 | |
| Compensation and benefits | 13,651,000 | 13,065,000 | 13,939,500 | |
| Occupancy and equipment, net | 3,834,000 | 3,788,000 | 3,721,750 | |
| Data processing expense | 2,666,000 | 2,513,000 | 2,331,750 | |
| Telecommunications expense | 309,000 | 347,000 | 355,750 | |
| Deposit insurance premiums | 600,000 | 620,000 | 583,750 | |
| Legal and professional fees | 478,000 | 1,075,000 | 898,750 | |
| Advertising | 538,000 | 614,000 | 517,500 | |
| Postage and office supplies | 333,000 | 300,000 | 318,500 | |
| Intangibles amortization | 808,000 | 857,000 | 885,000 | |
| Foreclosed property expenses/losses | 31,000 | 58,000 | 26,000 | |
| Other operating expense | 2,022,000 | 1,814,000 | 1,942,500 | |
| Total noninterest expense | 25,270,000 | 25,051,000 | 25,520,750 | |
| Income before income taxes | 22,696,000 | 19,440,000 | 18,498,500 | |
| Current | - | - | 3,680,500 | |
| Deferred | - | - | 173,500 | |
| Total income taxes | 4,546,000 | 3,790,000 | 3,854,000 | |
| Net income | 18,150,000 | 15,650,000 | 14,644,500 | |
| Earnings per share, basic | 1.62 | 1.39 | 1.298 | |
| Earnings per share, diluted | 1.62 | 1.38 | 1.295 | |
| Weighted average number of shares outstanding, basic | 11,153,362 | 11,246,743 | 2,808,675.75 | |
| Weighted average number of shares outstanding, diluted | 11,178,778 | 11,271,909 | - | |
SOUTHERN MISSOURI BANCORP, INC. (SMBC)
SOUTHERN MISSOURI BANCORP, INC. (SMBC)